Desjardins Bonus Visa vs Desjardins Cash Back Visa
Two cards, one Standard Score rubric. The Desjardins Cash Back Visa scores higher overall at 4.7/10, but the right pick depends on which components match your spending.
The verdict
PassThe same free card with two ways to be paid. Both earn 2% on restaurants and pre-authorized payments (the first $3,600 a year combined), entertainment and alternative transportation, and 0.5% on everything else, with the same insurance. The Cash Back Visa credits cash to your account once you've built up $25; the Bonus Visa pays BONUSDOLLARS worth $1 each that you redeem through Desjardins. Take the cash unless you specifically want BONUSDOLLARS.
See offer · current Desjardins Cash Back Visa offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Desjardins Bonus Visa | Desjardins Cash Back Visa | |
|---|---|---|
| Standard Score | 4.3/10 · Pass | 4.7/10 · Pass |
| Annual fee | None | None |
| Welcome bonus | None: Desjardins publishes no welcome offer on this card | None: Desjardins publishes no welcome offer on this card |
| Est. bonus value | ≈ $0 | ≈ $0 |
| First-year net value | ≈ $130 | ≈ $130 |
| Earn rates |
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| Points currency | Desjardins BONUSDOLLARS | Cash back |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Desjardins Bonus Visa wins
No component wins: its rival scores at least as well on every Standard Score component.
Where the Desjardins Cash Back Visa wins
- Flexibility: scores 7.0/10 on this component
- Strategic fit: scores 4.0/10 on this component
Read the full reviews: Desjardins Bonus Visa and Desjardins Cash Back Visa, or see how both rank in Best Rewards Credit Cards in Canada.