New cardmembers can earn up to 70,000 BONUSDOLLARS welcome offer (varies by promotion) by completing the steps below.
How to earn it
Initial BONUSDOLLARS bonus after first qualifying spend thresholdMeet minimum spend within first 3 months of account opening
Additional BONUSDOLLARS bonus after extended spend thresholdReach cumulative spend within first 12 months (if applicable under current offer)
New cardholders who meet minimum spend requirements within defined promotional periods. Eligibility and bonus structure may vary based on channel and applicant profile.
How you earn
Up to 4% BONUSDOLLARS on eligible purchases depending on category
4% on restaurants
4% on entertainment
4% on alternative transportation (taxis, transit, rideshare)
3% on groceries
Up to 3% on travel purchases
1.5% on all other purchases
BONUSDOLLARS redeemable at a fixed 1:1 value against eligible purchases and services
Built-in perks & coverage
Premium travel insurance coverage (up to 60 days)
Comprehensive emergency medical insurance up to $5M per person for eligible travel up to 60 consecutive days.
High-tier travel rewards (up to 4% BONUSDOLLARS)
Accelerated earn rates across dining, entertainment, transport, groceries, and travel categories with strong lifestyle spend capture.
Airport lounge access benefits
Includes complimentary Odyssey Lounge access and Visa Infinite Privilege lounge network perks with 12 annual passes across the account.
Concierge and luxury travel services
24/7 Visa Infinite Privilege concierge for travel planning, event bookings, and lifestyle assistance services.
Car rental privileges and insurance coverage
Discounted rental rates (up to 25%) plus collision and loss damage insurance when eligible rental conditions are met.
Mobile device and purchase protection
Coverage up to $1,500 for mobile device protection plus extended warranty and purchase protection on eligible items.
Tiered membership pricing advantage
Annual fee is $295 for Desjardins members and $395 for non-members, reflecting member-based pricing differentiation and loyalty structuring.
The verdict
What we like
Top-tier rewards up to 4% in high-frequency lifestyle categories
Strong travel insurance coverage with up to 60-day protection
Premium travel perks including lounge access and concierge services
Worth noting
High annual fee ($295–$395 depending on membership status)
Foreign transaction fee of 2.5% reduces international efficiency
Category caps limit upside for high spend users
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.
