A genuinely strong top-tier card for Desjardins members, let down for everyone else by the fixed-value points ceiling and steep non-member fee.
$395 annual fee · First-year net value ≈ $450 · Desjardins BONUSDOLLARS
Issuer hub · Updated 2026-07-26
Desjardins Credit Cards in Canada
Every Desjardins credit card we track, ranked by Standard Score — BONUSDOLLARS-earning Visas and Mastercards, with the fee math shown for each.
| # | Card | Standard Score | Annual fee | First-year net value | Currency | Current offer |
|---|---|---|---|---|---|---|
| 1 | Desjardins Odyssey Visa Infinite Privilege Desjardins | 6.2/10 | $395 | ≈ $450 | Desjardins BONUSDOLLARS | See offer |
| 2 | Desjardins Odyssey World Elite Mastercard Desjardins | 5.3/10 | $130 | ≈ $260 | Desjardins BONUSDOLLARS | See offer |
| 3 | Desjardins Odyssey Gold Visa Desjardins | 4.7/10 | $110 | ≈ $70 | Desjardins BONUSDOLLARS | See offer |
| 4 | Desjardins Flexi Visa Desjardins | 3.5/10 | None | ≈ $0 | None (no rewards) | See offer |
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Desjardins card, ranked
A reasonably priced World Elite card for Desjardins members based in or flying through Quebec. The points ceiling and single-airport lounge limit its appeal outside that footprint.
$130 annual fee · First-year net value ≈ $260 · Desjardins BONUSDOLLARS
The weakest rung of the Odyssey ladder: no welcome offer, no confirmed fee waiver, capped 2% categories, and a 0.65% base rate. The gap to the World Elite Mastercard is small enough that most members should skip straight there.
$110 annual fee · First-year net value ≈ $70 · Desjardins BONUSDOLLARS
Quietly the best rate-per-dollar-of-fee in Canada, with insurance no other low-rate card bothers to include. The Quebec-friendly pick.
No annual fee · First-year net value ≈ $0 · None (no rewards)
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Every Desjardins card here is scored on the same Standard Score as the rest of the site — see how it’s built, or browse the full card database.