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The Desjardins cash back visa card is one of the cash-back visa cards that boasts of juicy offers. This card offers seamless click-to-pay transactions, making it great for online and offline purchases. If you’re considering applying for one, here’s a full Desjardins Cash Back Visa review to help you decide faster.
Pros and cons of the Desjardins Cash Back Visa Card
Pros of the Desjardins Cash Back Visa Card
- 0.5% cash back is given on all other purchases.
- You don’t have to pay any money for annual fees.
- Your approvals are instant.
- The card has comprehensive insurance.
Cons of the Desjardins Cash Back Visa Card
- There is no welcome bonus
- The interest-free grace period of 21 days is short.
- There are no bonus dollars.
Is Desjardins Cash Back Visa Card right for you? Our verdict
Choose the Desjardins Cash Back Visa Card if you need ways to cut costs and still meet your primary needs. The card allows you to make contactless payments and even get rewarded too. The rewards are generally proportional to the amount of money you spend.
Desjardins Cash back visa card is recommended for people who want quality service.
Desjardins Cash Back Visa rewards
- Travel insurance for yourself and your family spans up to three days.
- Renting a car at Hertz or Thrifty using your Desjardins Cash Back credit card gets you 15% off. You also get other benefits.
- Extended warranty and purchase protection for some items (that fit the criteria).
- In cases of damage, either mechanical, accidental, or theft, to your mobile devices, you are entitled to about $1000.
Perks of using the Desjardins Cash Back Visa Card
- Purchase protection for eligible products lost or damaged 90 days from the purchase date.
- Extended warranty, which multiplies the original warranty for up to one year.
- Smaller installments for items under $200.
- a grace period of 21 days to pay off balances. This does not apply to cash advances.
- Mobile payments for either Android or Apple phones.
- Credit balance insurance is factored in for those who are disabled or critically ill.
- There are no liabilities for those whose cards are used by fraudsters.
- Security alerts are sent if unusual activity is detected.
Desjardins Cash Back Visa Card fees
- No annual fees
- Fees are not paid for additional cards.
Desjardins Cash Back Visa Card interest rates
- Interest rate of up to 19.9%
- Up to 2% cash back on your purchases. This depends on the purchase, as the cashback percentage differs.
How to use the Desjardins Cash Back Visa Card
Some parameters must be met to qualify to use Desjardins Cash Back Visa card.
- A resident in a Canadian province.
- Has gotten to the age of maturity in the residential province.
- Must possess an active file with a credit bureau in Canada.
- An estimated credit score of 760-900.
The card can be used in the following places
- Airports
- Car rental services
- Restaurants
- Malls
To get the card, visit their website for more information. However, there is essential information that you have to keep handy.
- Identification documentation information such as a driver’s licence or citizenship card.
- Employment status and employer information
- Cost of housing on a monthly basis.
- Up-to-date financial information.
- Gross income
If you prefer a joint credit card, your co-applicant would also supply the data above.
Alternatives to Desjardins Cash Back Visa Card
You can use alternatives if you do not want to use a Desjardins Visa card. The alternative cards have unique perks that may catch your attention and appeal more to you.
Desjardins Cash Back Visa vs Desjardins Flexi Visa Card
The Desjardins Flexi Visa card offers an interest rate of 10.9% with no annual fees required. It offers options for transferring your balances to the card and all other options that Desjardins cash back provides.
Desjardins Cash Back Visa vs Desjardins Bonus Visa
Like its cash back counterpart, the Desjardins bonus visa does not require annual fees. It offers interest rates of up to 19.9% and rewards of up to 2% for purchases in bonus dollars. Your bonus dollars can be redeemed as gift cards and for other products and services.
Desjardins Cash Back Visa vs Walmart Rewards MasterCard
Walmart rewards MasterCard requires no annual fee. However, they offer up to $15 as a welcome bonus. An interest rate of up to 19.89% is offered, and a 22.97% cash rate. A 21-day interest-free grace period is given.
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