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Credit card

Cash Back Mastercard

No annual fee cash back credit card

Interest rate on purchases

20.9%

Interest rate on cash advances

21.9%

Annual fee

None 1

Cash back

Up to 2% on your purchases 2

Travel insurance

For trips up to 3 days

Get up to 2% cash back on your purchases

The percentage you get depends on the purchase category. 2 , 3

Restaurants

Up to 2% 4
of your purchases

Entertainment

2%
of your purchases

Alternative transportation

2%
of your purchases

Pre-authorized payments

Up to 2% 4
of your purchases

Other purchases

0.5%
of your purchases

Annual cap

After your first $3,600 in annual purchases in the Restaurants 4 and Pre-authorized payments 4 categories, you earn cash back at the rate of the All other purchases category.

Example

If you spend $200 a month on restaurants, you get $4 cash back every month ($200 x 2% of your purchases). That's a total of $48 a year for that category.

Your account is automatically credited when you accumulate $25 cash back.

Benefits of the Cash Back Mastercard®

Travel

Travel insurance for trips up to 3 days

Get free travel insurance for you and your family 5 for trips of up to 3 days.

What's included
  • Emergency healthcare coverage: up to $5 million per person. 6
  • Trip cancellation coverage: up to $500 per person if the trip is cancelled before departure and up to $1,000 per person if the trip is cancelled after departure. You need to pay for your ticket with your credit card to get this coverage.
  • Baggage coverage: up to $500 per person if your baggage is lost or damaged by a common carrier, delayed for more than 6 hours or stolen.
  • Travel assistance: 24/7, anywhere in the world.
Help in case of emergency when travelling

Canada and the US:
1-888-419-2495  Phone number for the assistance service while travelling in Canada and the US. This will launch your default phone software.

Other countries (collect call):
514-875-2495 Phone number for the assistance service while travelling outside of Canada and the US. This will launch your default phone software.

Going away for more than 3 days?

You'll need to extend your insurance so you're covered for the whole trip.

Learn more about this insurance

The summary includes key information on your travel insurance. The insurance policy includes all conditions and exclusions to do with your travel insurance. Pay close attention to the exclusion for injuries or unstable medical conditions.

See the insurance product summary (PDF, 462 KB)

See the travel insurance policy (PDF, 638 KB)

Car rental

Discounts at Hertz®, Thrifty® and Dollar®

Get up to 15% off and several other advantages when you use your Desjardins credit card to rent a car at Hertz, Thrifty, and Dollar.

Hertz
  • Up to 15% off the rental rate 7
  • No young drivers surcharge 8
  • No fee for additional drivers 9
  • 15% off a GPS unit
  • Reduced Loss Damage Waiver 8

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 rental rate 7
  • No young drivers surcharge 8
  • No fee for additional drivers 9

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

Mobile device and purchase protection

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. 10

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 to get information about purchase protection and extended warranty or to make a claim in Canada and the US. This link will launch your default phone software

Other countries (collect call):
613-634-4993 Collect call phone number to get information about mobile device insurance or to make a claim. This link will launch your default phone software

Make a claim on your mobile device insurance. External site
Learn more about this coverage

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the insurance product summary (PDF, 94 KB)

See the insurance certificate (PDF, 692 KB)

Purchase protection and extended warranty

Purchase protection and extended warranty provide better protection for the eligible items you purchase with your credit card. 10

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. 10

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. 10

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 and the US. This link will launch your default phone software.

Other countries (collect call):
613-634-4993 Collect call phone number to get information about purchase protection and extended warranty or to make a claim in Canada and the US. This link will launch your default phone software.

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

The product summary describes your insurance coverage. Review the insurance certificate for your card to learn about all the terms and conditions of your coverage and how you can benefit.

See the product summary (PDF, 94 KB)

See the insurance certificate (PDF, 692 KB)

Financing and cash advances

Good to know

When you take out a cash advance, you're charged interest right away. In contrast, when you make purchases with your credit card, you have an interest-free grace period of 21 days from the date the statement is issued.

Additional features and options

  • No annual fee for additional cards
  • 21-day grace period to pay off your balance without incurring interest, except on cash advances 1
  • Overdraft transfer so you can cover transactions that exceed your account balance using an automatic cash advance from your credit card
  • Credit Balance Insurance to help you pay off your credit card if you become critically ill or disabled
  • Mobile payment so you can pay with your Android or Apple device

Fraud protection

Apply for the Cash Back Mastercard

Online

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Useful information

See the terms and conditions (PDF, 487 KB)  for the Cash Back World Elite Mastercard.

See the terms and conditions (PDF, 402 KB)  for the Cash Back World Elite Mastercard.

See the Cash Back program rules (PDF, 487 KB)

Annual fees and fixed annual interest rates (like the interest rate on purchases and the interest rate on cash advances) are subject to change with 30 days' notice. Emergency Health Care, Baggage and Trip Cancellation coverages are underwritten by Desjardins Financial Security Life Assurance Company. An insurance policy specifying all terms and conditions will be provided upon enrolment for the card. If you'll be taking a longer trip, you must take out extended coverage with the same insurer to get your free days of coverage. Some conditions and restrictions apply. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. 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. * Trademark of Visa International Service Association and used under licence. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 20.9% and your average daily outstanding balance is $100, you'd be charged $1.72 in interest. If it's $500, you'd be charged $8.59 in interest, and if it's $1,000 you'd be charged $17.18 in interest. If the regular annual interest rate is 21.9% and your average daily outstanding balance is $100, you'd be charged $1.80 in interest. If it's $500, you'd be charged $9.00 in interest, and if it's $1,000 you'd be charged $18.00 in interest. Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back. To earn the rate in each category, eligible purchases must be made with merchants assigned to that category. Categories are assigned based on merchant category codes (MCC) set by the Visa and Mastercard payment networks. The payment networks assign each merchant to one MCC, even if they offer a variety of products and services. For example, gas stations, grocery stores and drug stores all sell several different products, but all purchases from these merchants—regardless of the type of product—are always categorized under the merchant's MCC. Desjardins doesn't control the merchant categories that Visa and Mastercard set. Depending on the card, earning categories may include: 1) Travel: airlines, airports, car rental companies, hotels/motels and resorts, passenger railways, cruise lines, travel agencies, timeshares, trailer parks and campgrounds, etc. (codes 3000 to 4000, 4112, 4411, 4511, 4582, 4722, 4723, 5962, 7011, 7012, 7033, 7512, 7519); 2) Alternative transportation: commuter passenger transportation (local and suburban), taxis, limousines, buses and public charging stations (codes 4111, 4131, 4121, 4789, 5552); 3) Entertainment: theatrical productions, ticket agencies, bands (concerts), orchestras, tourist attractions and exhibits, movie theatres, amusement parks, carnivals, circuses, zoos, aquariums, etc. (codes 7922, 7929, 7991, 7832, 7996, 7998); 4) Restaurants: restaurants, including fast-food restaurants (codes 5812, 5814); 5) Groceries: grocery stores, supermarkets, butchers, frozen food retailers, fish sellers and bakeries (codes 5411, 5422, 5462). Desjardins cannot guarantee the category set for each merchant or that the merchant you purchase from has the eligible MCC. Desjardins can only award rewards or cash back on eligible purchases based on the merchant's MCC. Rewards and cash back earned are subject to certain conditions. The 2% Cash Back rate will be applied to the first $3,600 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the Cash Back rate for the Other purchases category will apply for the remainder of the current year. Coverage applies to cardholders, their spouse and dependent children. This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. 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.
Additional driver must meet standard age, driver and credit qualifications. 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.
Subject to credit approval. Maximum amount depends on your credit limit. Cash advance interest starts to accrue on the transaction date. You have 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 12.9% and your average daily outstanding balance is $100, you'd be charged $1.06 in interest. If it's $500, you'd be charged $5.30 in interest, and if it's $1,000 you'd be charged $10.60 in interest.