BONUSDOLLARS Rewards Program
Earn BONUSDOLLARS® by making purchases with an eligible credit card. Then, log in to AccèsD to redeem them for gift cards, pay restaurant meals, make TFSA contributions and more.
BONUSDOLLARS Rewards Program at a glance
You earn rewards when you make certain purchases with 1 of our 4 BONUSDOLLARS credit cards.
1 BONUSDOLLAR earned = $1 you can redeem
For example, a balance of 250 BONUSDOLLARS means you can redeem $250.
Once you've earned 20 or more BONUSDOLLARS, you can use them to:
-
Buy gift cards
-
Get Desjardins financial products or services
-
Pay off certain purchases
Treat yourself with gift cards
Choose from a wide range of gift cards from your favourite brands
- Art, culture and entertainment (such as Archambault, Cineplex or DeSerres)
- Home and garden (such as Canadian Tire, Costco or Rona)
- Fashion and accessories (such as La Vie en Rose, Simons or Hudson's Bay)
- Food and beverage (such as Metro, Uber Eats or SAQ)
- Health and wellness (such as Sephora, Pharmaprix or Strom)
- Sports and fitness (such as Decathlon, SAIL or Lululemon)
- Travel and leisure (such as Air Canada, Esso or Uber)
- Electronics and tech (such as Apple, Best Buy or The Source)
Ordering a gift card
Step one
Log in to AccèsD
On AccèsD, choose the card that has the BONUSDOLLARS you want to use. First, select BONUSDOLLARS, then Redeem BONUSDOLLARS, then Gift cards. You'll be redirected to the gift card catalogue on bonusdollars.ca.
Step two
Browse the gift card catalogue
Choose your gift card from the catalogue. Enter your information and follow the steps to redeem your BONUSDOLLARS.
Step three
Checkout
Make sure your information is correct, then select Checkout. Repeat steps 2 and 3 for each gift card you want to order.
Digital gift cards generally take 2 to 3 days to arrive. Physical gift cards generally take 2 to 4 weeks to arrive.
Get financial products and services
Pay all or part of your insurance premiums, invest in savings products or make a capital payment on a loan with your BONUSDOLLARS.
Insurance
- Savings-Life Insurance and loan insurance
- Home and auto insurance
- Travel and accident insurance (Accirance)
Savings
- RRSPs, RESPs or TFSAs obtained at a caisse or branch or on AccèsD, including term deposits, market-linked guaranteed investments and Desjardins Funds
- RRSPs, RESPs or TFSAs obtained through Desjardins Securities or Desjardins Online Brokerage
- Shares from Capital régional et coopératif Desjardins (in Quebec only)
Financing
- Car loans
- Personal loans
- Mortgages
Pay off certain purchases
Use your BONUSDOLLARS to pay off certain credit card purchases. Purchases must fall under 1 of the following categories. You have 60 days after purchase to use your BONUSDOLLARS, even if you've already paid off your account balance.
- Restaurants
- Entertainment (such as shows, movies and attractions)
- Travel (such as plane tickets and accommodations)
- Alternative transportation (such as buses, commuter trains, taxis, metros and public charging stations for electric vehicles)
- Charitable donations
Redeem your BONUSDOLLARS on your own
- Log in to AccèsD in your web browser or the Desjardins mobile services app.
- Choose the card that has the BONUSDOLLARS you want to use.
- Select BONUSDOLLARS.
- Select Redeem BONUSDOLLARS.
- Select a category: Gift cards, Financial products and services or Eligible transactions.
- Follow the steps to redeem your BONUSDOLLARS.
You can't redeem your BONUSDOLLARS:
- To get cash back
- To make payments on an installment plan
- To pay your card's annual fees
- To pay your card's balance, unless it's for the Odyssey Visa Infinite Privilege
Earn BONUSDOLLARS
You earn BONUSDOLLARS by paying with your credit card, whether you pay all at once or in installments. The number of BONUSDOLLARS you earn is equivalent to a percentage of your purchases. This percentage varies depending on which card you use and the purchase category.
Percentage of your purchases in BONUSDOLLARS
Purchase category. | Bonus Visa* |
Odyssey® Gold Visa* |
Odyssey® World Elite® Mastercard® |
Odyssey® Visa Infinite Privilege* |
---|---|---|---|---|
Groceries | 0.5% | 1% | Up to 3%
|
3% |
Travel | 0.5% | 1% | 1.5% | Up to 3%
|
Restaurants | Up to 2%
|
Up to 2%
|
Up to 2%
|
4% |
Entertainment | 2% | 2% | 2% | 4% |
Alternative transportation | 2% | 2% | 2% | 4% |
Pre-authorized payments | Up to 2%
|
Up to 2%
|
1.5% | 1.75% |
All other purchases | 0.5% | 1% | 1.5% | 1.75% |
- Groceries (such as supermarkets and fine food stores)
- Travel (such as plane tickets and accommodations)
- Restaurants (including fast food restaurants)
- Entertainment (such as shows, movies and attractions)
- Alternative transportation (such as buses, commuter trains, taxis, metros and public charging stations for electric vehicles)
- Pre-authorized payments (such as monthly subscriptions)
- All other purchases
The percentage you get depends on where you make your purchase—not what you buy. Visa and Mastercard assign each merchant a category code, and that's what determines the purchase category and the percentage.
Annual cap
You earn BONUSDOLLARS at the rate of the All other purchases category once you reach a maximum purchase amount in certain categories.
- Bonus Visa: $3,600 maximum for the Restaurants
5 and Pre-authorized payments5 categories. - Odyssey Gold Visa: $6,000 maximum for the Restaurants
6 and Pre-authorized payments6 categories. - Odyssey World Elite Mastercard: $10,000 maximum for the Groceries
3 category and $6,000 maximum for the Restaurants7 category. - Odyssey Visa Infinite Privilege: $25,000 maximum for the Travel
4 category.
If you have an Odyssey Gold Visa and spend $145 on restaurants, you earn 2.9 BONUSDOLLARS (2% of your purchase, meaning $145 x 2%).
Tips on how to earn more BONUSDOLLARS
-
If you're able to pay off your monthly balance, you can use your credit card to pay for everyday expenses, such as groceries and gas.
-
Set up pre-authorized payments on your card with your service providers, like your subscriptions, insurance or phone bill.
-
By adding multiple cardholders to the same account, you can combine your household expenses and earn even more BONUSDOLLARS.
Transactions that don't earn you BONUSDOLLARS
- Cash advances
- Accord D financing
- Payment of interest
- Purchase of foreign currencies
- Electronic fund transfers
- Money orders
- Purchases made at a casino
FAQ
The full cash back balance can be transferred and converted to BONUSDOLLARS. You get 1 BONUSDOLLAR for each cash back dollar. For example, if you have $20 in cash back, you get 20 BONUSDOLLARS.
Your cash back balance can also be used as credit on credit cards that don't offer the BONUSDOLLARS Rewards Program.
You can use your BONUSDOLLARS to pay all or part of your balance only if you have the Odyssey Visa Infinite Privilege card. This is the only card with the rewards program to offer the option.
However, you can use your BONUSDOLLARS to pay for certain credit card purchases that fall under these categories: travel, alternative transportation, entertainment, restaurants and donations. When you redeem your BONUSDOLLARS on AccèsD, select Eligible transactions.
Log in to AccèsD and select your credit card. Your BONUSDOLLARS balance is at the top of the page. Select it to see more details.
You can also get your balance by calling 1-800-363-3380 Phone number of card services customer service for Canada and the US. This link opens your phone app..
If you return an item, we'll deduct the BONUSDOLLARS you earned for that purchase from your BONUSDOLLARS balance. The number of BONUSDOLLARS deducted depends on the amount reimbursed and the percentage assigned to the merchant category.
Yes. Once you receive your gift card, you can send the gift card to an address or email other than yours, depending on the type of card chosen.
Yes, you can redeem your BONUSDOLLARS by phone if you're not able to do it on AccèsD.
For gift cards
Monday to Friday: 8 AM to 9 PM (Eastern Time)
Saturday: 8 AM to 5 PM (Eastern Time)
1-888-552-6643 Phone number to redeem BONUSDOLLARS for gift cards. This link opens your phone app.
For financial products or to pay off purchases
Monday to Friday: 7 AM to 8 PM (Eastern Time)
Saturday and Sunday: 8:30 AM to 5 PM (Eastern Time)