Independent ClearFin review · Desjardins
Full earn rates, fees and benefits for the Desjardins Cash Back Mastercard.
Offers can change without notice
Confirm with the issuer
💸 Cash BackIts strongest published earn rate in our data is 2.0% on dining. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Approval is based on standard retail credit underwriting with no fixed published score requirement. Applicants are assessed on credit history, debt levels, repayment behavior, and overall financial stability.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is a mass-market cashback card designed for broad accessibility. Compared to World Elite variants, it has lower underwriting thresholds and is accessible to users with limited or rebuilding credit profiles subject to approval.
Reward limits: After the first $3,600 in combined annual purchases across the Restaurants and Pre-authorized payments categories, those purchases earn the base rate of 0.5%. The $3,600 cap is combined across the two 2% categories and resets annually. Eligibility determined by MCC classification.
Earning cap
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Travel insurance (3-day coverage)
Emergency travel insurance coverage for trips up to 3 days when eligible travel expenses are charged to the card, including emergency medical, baggage, and trip interruption protection.
Emergency medical coverage
Up to $5 million per insured person for eligible emergency medical expenses during covered short-duration travel.
Trip cancellation and interruption coverage
Coverage for eligible trip cancellation or interruption expenses when travel is purchased with the card, subject to policy limits.
Baggage insurance
Coverage for lost, stolen, or delayed baggage up to defined limits when travelling with eligible coverage activation.
Mobile device insurance
Up to $1,000 coverage for eligible mobile devices against loss, theft, accidental damage, or mechanical failure when purchased or financed using the card.
Purchase protection
90-day protection against loss or damage for eligible items purchased with the card.
Extended warranty
Extends manufacturer warranty by up to 1 additional year on eligible purchases made with the card.
Car rental discounts
Discounts up to 15% with Hertz and up to 10% with Dollar and Thrifty when using the card for booking.
Fraud protection and zero liability
Protection against unauthorized transactions with fraud monitoring alerts and zero liability coverage.
Credit balance insurance option
Optional insurance that can help cover outstanding balances in case of death, disability, or covered life events.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Up to 2% on restaurants, entertainment, alternative transport & pre-authorized payments. 0.5% else. No fee.
Dining, Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on dining and travel and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
