Issuer hub · Updated Oct 12, 2026
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 Cash Back World Elite Mastercard Desjardins | 6.4/10 | $100 | ≈ $320 | Cash back | See offer |
| 2 | Desjardins Odyssey Visa Infinite Privilege Desjardins | 6.2/10 | $395 | ≈ $450 | Desjardins BONUSDOLLARS | See offer |
| 3 | Desjardins Odyssey World Elite Mastercard Desjardins | 5.3/10 | $130 | ≈ $260 | Desjardins BONUSDOLLARS | See offer |
| 4 | Desjardins Cash Back Mastercard Desjardins | 4.7/10 | None | ≈ $130 | Cash back | See offer |
| 4 | Desjardins Cash Back Visa Desjardins | 4.7/10 | None | ≈ $130 | Cash back | See offer |
| 4 | Desjardins Odyssey Gold Visa Desjardins | 4.7/10 | $110 | ≈ $70 | Desjardins BONUSDOLLARS | See offer |
| 7 | Desjardins Bonus Visa Desjardins | 4.3/10 | None | ≈ $130 | Desjardins BONUSDOLLARS | See offer |
| 8 | 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.
Desjardins' strongest everyday earner: 4% on groceries and 3% on restaurants for $100 a year, paid in cash rather than BONUSDOLLARS. The caps are high enough for most households; the catches are the income bar and travel insurance that stops at 3 days.
$100 annual fee · First-year net value ≈ $320 · Cash back
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
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 Cash Back Visa on the Mastercard network, with the same rates, caps and insurance. Pick it over the Visa only if you need a Mastercard, and don't get it for Costco: warehouse purchases earn the 0.5% base rate.
No annual fee · First-year net value ≈ $130 · Cash back
A free card whose insurance is better than its earn rate. The 2% categories cap at $3,600 a year combined and everything else earns 0.5%, so most households will earn more elsewhere; the 3-day travel medical and $1,000 phone cover are the reasons to hold it.
No annual fee · First-year net value ≈ $130 · Cash back
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
The Cash Back Visa paid in BONUSDOLLARS instead of cash. The rates are identical and a BONUSDOLLAR is worth $1, so the choice comes down to redeeming through Desjardins or getting a credit on your account. Most people should take the cash.
No annual fee · First-year net value ≈ $130 · 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.
To compare them with every other card that earns the same points, see Best Desjardins BONUSDOLLARS Credit Cards in Canada.
Desjardins lists eight personal credit cards: five Visas and three Mastercards. We review all eight. Four earn BONUSDOLLARS, three pay cash back, and the Flexi Visa trades rewards for a low interest rate.
| Card | Network | Annual fee | Best earn rate | Income requirement |
|---|---|---|---|---|
| Desjardins Odyssey Visa Infinite Privilege | Visa | $295 for members, $395 for non-members | 4% on restaurants, entertainment and alternative transportation | $150,000 personal or $200,000 household |
| Desjardins Odyssey World Elite Mastercard | Mastercard | $130 | Up to 3% on groceries and restaurants (annual caps apply) | $80,000 personal or $150,000 household |
| Desjardins Odyssey Gold Visa | Visa | $110 | 2% on restaurants, pre-authorized payments, entertainment and travel (annual caps apply) | None published |
| Desjardins Bonus Visa | Visa | $0 | 2% on restaurants, pre-authorized payments, entertainment and alternative transportation (annual cap applies) | None published |
| Desjardins Cash Back World Elite Mastercard | Mastercard | $100 | 4% cash back on groceries, 3% on restaurants (annual caps apply) | $80,000 personal or $150,000 household |
| Desjardins Cash Back Visa | Visa | $0 | 2% cash back on restaurants, pre-authorized payments, entertainment and alternative transportation (annual cap applies) | None published |
| Desjardins Cash Back Mastercard | Mastercard | $0 | 2% cash back on restaurants, pre-authorized payments, entertainment and alternative transportation (annual cap applies) | None published |
| Desjardins Flexi Visa | Visa | $0 | No rewards: a 10.9% purchase rate | None published |
Desjardins states the value plainly: 1 BONUSDOLLAR earned = $1 you can redeem, toward trips, restaurant meals, gift cards, financial products and more. Because the value is fixed, the earn rate is the whole story. The World Elite pays up to 3% on groceries, which is up to $3 for every $100 you spend. There's no redemption sweet spot that makes a BONUSDOLLAR worth more. It's also why the free Desjardins Bonus Visa and Desjardins Cash Back Visa are the same card in practice: identical rates, one paid in BONUSDOLLARS and one in cash. See Bonus Visa vs Cash Back Visa.
That also sets the ceiling. A points card with airline transfer partners can beat its face value; an Odyssey card can't. Every card that earns them is ranked in our BONUSDOLLARS ranking.
Desjardins lists five personal Visa cards: the Flexi Visa, Cash Back Visa, Bonus Visa, Odyssey Gold Visa and Odyssey Visa Infinite Privilege. Its three Mastercards are the Cash Back Mastercard, Cash Back World Elite Mastercard and Odyssey World Elite Mastercard.
Desjardins doesn't publish a minimum credit score. Its card pages say every card is subject to credit approval. The published bars are income: $80,000 personal or $150,000 household for the Desjardins Odyssey World Elite Mastercard, and $150,000 personal or $200,000 household for the Desjardins Odyssey Visa Infinite Privilege. No score guarantees approval.
Membership isn't listed as a requirement on the card pages we checked. It changes one price: the Desjardins Odyssey Visa Infinite Privilege costs $295 a year for members and $395 for non-members.
$1 each. Desjardins says 1 BONUSDOLLAR earned = $1 you can redeem, toward trips, restaurant meals, gift cards, financial products and more.
The Desjardins Flexi Visa, at 10.9% on purchases with no annual fee. The Desjardins Odyssey Visa Infinite Privilege is next at 11.9%, but its annual fee is $295 for members ($395 for non-members).
Desjardins' card lineup, BONUSDOLLARS value, income requirements and member pricing checked September 27, 2026 against Desjardins' credit card pages. Card rates and fees are from our reviews.