Choose your settings

Choose your language

Credit card

Visa Business Advantage

Card for small and medium-sized businesses

Estimated annual spending: Between $500,000 and $750,0001

Interest rate

Prime rate2 + 8.5%

Cash back

Up to 1% of your purchases3

Annual fee

$25 per card

Get up to 1% cash back on purchases

With the Business Savings Program, you'll get 1% cash back on every purchase when you make between $12,000 and $750,000 in annual purchases with your card.3

Benefits of the Visa* Business Advantage card

Flexibility

Online account management

Manage your Visa Business Advantage card account online on AccèsD Affaires with the Business Account Management service.4

You can make the following changes to your credit card account online:

  • Request to change your credit limit
  • Change your address or phone number
  • Add, cancel or replace a card
  • Set card controls (such as daily limits and transaction limits)
  • View manager activity reports

Different payment options

There are 2 options for paying your credit card balance. Choose the one that works best for your business.5

Centralized payments

Make a single payment each month to your business's main Desjardins credit card account (master account). This single payment will pay off your card and all other cards associated with your master account at the same time. 

Decentralized payments 

Pay the balance of each card associated with your master account separately. This frees up each card's credit limit as soon as the payment is processed.

Second credit limit

With Accord D Business financing, you can get a second credit limit for your card of up to $100,000.1

You can repay it in equal monthly installments with a term of 1 to 7 years depending on the financing amount. You can also repay the balance in full or in part at any time without penalty.

Learn more about Accord D Business financing

Insurance

Corporate Insurance Program

This program provides certain types of travel insurance at no extra cost.

  • Stolen, damaged or late baggage insurance6

    This insurance covers losses due to theft or physical damage of your luggage and belongings and those of your spouse or children if they're travelling with you.

  • Delayed flight, denied boarding and missed connection insurance6

  • Common carrier accident insurance6

    This insurance covers you up to $100,000 for any accident that occurs while you're aboard a common carrier vehicle. Your spouse and children are also covered up to $10,000.

  • Auto rental collision/loss damage insurance7

    This insurance covers you automatically when you charge the full cost of the vehicle rental to your card and decline the rental agency's collision damage waiver.
Information and claims
Insurance details

The summaries provide general information about the insurance coverages while the certificates provide details of all the conditions and exclusions.

See the Baggage Insurance Summary (PDF, 296 KB)
See the Baggage Insurance Certificate (PDF, 67 KB)
See the Auto Rental Collision/Loss Damage Insurance Summary (PDF, 194 KB)
See the Auto Rental Collision/Loss Damage Insurance Certificate (PDF, 2.35 MB)
See the Common Carrier Accident Insurance Summary (PDF, 68 KB)
See the Common Carrier Accident Insurance Certificate  (PDF, 68 KB)

Mobile device insurance

Get up to $1,000 to cover the loss, theft, accidental damage or mechanical failure of mobile devices purchased with this card.8

2 ways to get this coverage
  • Use your credit card to pay for your mobile device.
  • Use your credit card to pay any upfront costs and all monthly wireless bill payments if funding the cost through a wireless plan.
Information and claims

Canada and the US:
1-888-409-4442 Phone number for mobile device insurance information and claims in Canada or the US. This link opens your phone app.

Other countries (collect call):
613-634-4993 Phone number for mobile device insurance information and claims. This link opens your phone app.

Make a claim for mobile device insurance. External link.
Learn more about this coverage

The Product Summary outlines your insurance coverage. Review the Certificate of Insurance for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the Product Summary (PDF, 194 KB)
See the Certificate of Insurance (PDF, 156 KB)

Purchase protection and extended warranty

Purchase protection and the extended warranty provide better protection for eligible items you purchase with your credit card.8

Purchase protection

Purchase protection covers eligible items purchased with your card in the event of loss or damage for 90 days from the purchase date.8

Read the Certificate of Insurance to learn all about this coverage.

Extended warranty

An extended warranty automatically doubles the original manufacturer's warranty for up to 1 additional year on most items purchased with your card.8

Read the Certificate of Insurance to learn all about this coverage.

Information and claims

Canada and the US:
1-888-409-4442 Phone number to get information about purchase protection and extended warranty or to make a claim in Canada or the US. This link opens your phone app.

Other countries (collect call):
613-634-4993 Phone number to get information about purchase protection and extended warranty or to make a claim. This link opens your phone app.

Make a claim for purchase protection or extended warranty. External link. External link.
Learn more about purchase protection and the extended warranty

The Product Summary outlines your insurance coverage. Review the Certificate of Insurance for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the Product Summary (PDF, 194 KB)
See the Certificate of Insurance (PDF, 156 KB)

Car rental discounts

Discounts at Hertz, Thrifty and Dollar

Get up to 25% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz®, Thrifty® or Dollar®.

Hertz
  • Up to 25% off the base rate9
  • No fee for underage drivers10
  • No fee for additional drivers11
  • Free enrollment in the Hertz Gold Plus Rewards® Program with Five Star® Status
  • Up to 20% off a Prestige Collection rental (United States and Europe)
  • Reduced rate for the loss damage waiver10

Contact Hertz at 1-800-654-3131  Toll-free phone number for Hertz customer service. This link will launch your default phone software. .

Learn more about the Hertz discount External link.
Thrifty and Dollar
  • Up to 10% off the base rate9
  • No fee for underage drivers10
  • No fee for additional drivers11

Contact Thrifty at 1-800-847-4389 Toll-free phone number for Thrifty customer service. This link will launch your default phone software..

Visit the Thrifty site External link.

Contact Dollar at 1-800-800-4000 Toll-free phone number for Dollar customer service. This link will launch your default phone software..

Visit the Dollar site External link.

Assistance services

Travel assistance

Rely on Desjardins Travel Assistance if the unexpected arises while you're travelling. Our 24/7 service can provide you with information and assistance for medical, legal and other emergencies, both before and during your trip.

Use this service to:

  • Replace airline tickets or lost or stolen cards
  • Find legal or medical help
  • Get the services of an interpreter or translator

Additional features and options

  • 21 days to pay off your balance without incurring interest, except on cash advances.
  • Card controls to limit and block certain transactions for specific cardholders based on credit limit, number of daily transactions and their amounts, and certain merchant categories and currencies.
  • Optional credit balance insurance to help you pay off your credit card, line of credit or Accord D Business financing if something happens to you (accident or illness).
  • Visa SavingsEdge* program External link.: Sign up for free to automatically turn your business purchases into savings with discounts of up to 25% at participating merchants.12
  • Visa Account Updater service to help you avoid declined payments due to expired card information. When you get a new card, this service automatically sends your updated card number and expiration date to merchants you have a pre-authorized payment agreement with. Check with these merchants to see if they offer this service.
  • Visa Spend Clarity for Enterprise gives you access to reports and analytic tools for $15 per card. This service helps you manage your business's spending by integrating data into your accounting and enterprise resource planning (ERP) systems.

Fraud protection

Apply for the Visa Business Advantage

Want to see more cards?

Visa Business card

Low-interest credit card for small businesses and microbusinesses
Learn more about Visa Business card

Visa US Business

Card with no currency conversion fees for transactions in US dollars13
Learn more about Visa US Business card
See all our business credit cards

Useful information

See the PIN Use Agreement (PDF, 285 KB) Cet hyperlien s'ouvrira dans une nouvelle fenêtre.

* Trademark of Visa International Service Association and used under licence. Hertz® is a registered trademark of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc. Dollar® and Thrifty® are registered trademarks of DTG Operations, Inc. Used under licence. © 2018 DTG Operations, Inc. Subject to credit approval by the Fédération des caisses Desjardins du Québec.Annual prime rate of the Fédération des caisses Desjardins du Québec (Desjardins prime rate).For each 12-month period following the date the account was opened, when annual company purchases reach $12,000 and up to $750,000 for VisaBusiness Advantage credit cards, a credit equivalent to 1% of these purchases will be deposited in the company account once a year, the day after the anniversary of the account opening. The maximum cash back per period is $7,380. Cash advances, cheques, interest charges, returned goods, administration, enrollment and renewal fees, fees for optional services, all other fees not related to purchases and cash advances by equal installments are excluded. To be eligible for cash back, your card account must be active on the date scheduled for payment of the cash back.AccèsD Affaires is our secure online platform. Registration is optional. Monthly fees may apply.Centralized payments is the default option. Contact us if you want to change your payment option. Some conditions may apply.The information on this page is not an insurance policy. In the event of discrepancy between this page and the policy, the policy always prevails. The policy is issued by Desjardins Financial Security. The terms and conditions of the coverages described are set out in the attached insurance contracts. Some conditions and exclusions apply.The information on this page is not an insurance policy. In the event of discrepancy between this page and the policy, the policy always prevails. The policy is issued by American Bankers Insurance Company of Florida (ABIC). The terms and conditions of the coverages described are set out in the attached insurance contracts. Some conditions and exclusions apply.Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. Assurant® is a registered trademark of Assurant Inc. Details of your insurance coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card.
Discount applies only to base rate (time and distance travelled). All taxes, tax reimbursement, surcharges and optional service charges, such as refueling, as well as all other charges, are not included. Offer subject to change or termination at any time without notice. Conditions and restrictions apply.
Waived underage fee and reduced loss damage waiver benefits available at participating locations in Canada and the US only. An underage driver is a driver aged 21 to 24.Additional driver must meet standard age, driver and credit qualifications.Cashback provided as a statement credit on a future statement. Transaction must be processed through Visa.Transactions in currencies other than US dollars will be converted into US dollars. The following fee will apply: 2.5% of the transaction amount, after it has been converted into US dollars. For example, if a Canadian dollar transaction is converted into US$100, you would be charged US$2.50. We apply the exchange rate in effect on the transaction date. This rate is set by the credit card payment network.