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Desjardins credit cards

Verified Oct 16, 2026CAD

1 Desjardins card ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $100.

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  1. #1Desjardins Cash Back World Elite Mastercard

    Desjardins

    Cash Back World Elite Mastercard

    $100 feeGroceries 4%Dining 3%
    after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.
    Year 1$698
    Year 2+$698

    3 years $2,094 after fees· pays for itself in month 2

    Apply
    Breakdown, earn rates and why it's ranked here
    Year 1$698
    Year 2+$698
    Rewards on spending$798 / $798Fees (taken off the end)−$100 / −$100
    Pays for itself in month 2 · value so far covers fees so far
    Year 1Year 2Year 3

    Earn rate by category

    4%
    Groc
    Groceries
    3%
    Dine
    Dining and takeout
    1%
    Gas
    Gas and EV charging
    1%
    Air
    Flights
    1%
    Hotel
    Hotels and car rentals
    3%
    Transit
    Transit and rideshare
    1%
    Stream
    Streaming
    1%
    Drug
    Drugstores
    1%
    Online
    Online shopping
    1%
    Bills
    Phone, internet and utilities
    1%
    Other
    Everything else
    Why it's ranked here
    1. Ranked #1 of 1. By 3-year value on the family preset's spending. Over 3 years it's worth $2,094 after fees.
    2. Year 1. $698 = rewards $798 − fee $100.
    3. Each year after. $698 = rewards $798 − fee $100.
    Verified Oct 16, 2026Every term and assumption

All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.

Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.

Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.

3-year value on each preset

points at their cash value, after fees. "~" marks estimates.

CardStudentCoupleFamilyFrequent travellerBig spender
Desjardins Cash Back World Elite Mastercard$490$1,563$2,094$2,105$3,970

Frequently asked questions

Which Desjardins card is best?

On a family's spending, Desjardins Cash Back World Elite Mastercard is worth the most over 3 years ($2,094).

What do Desjardins cards cost?

Annual fees from $100 to $100 across the 1 cards listed here.

What rewards do Desjardins cards earn?

Cash back. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.

Sources

Estimates for information only; not financial advice. See how cards are ranked.