Credit card
Cash Back World Elite Mastercard
Our credit card with the most cash back
Eligibility: minimum annual income of $80,000 (personal) or $150,000 (household)
Interest rate on purchases
20.9%
Interest rate on cash advances
21.9%
Annual fee
$100
Cash back
Up to 4% on your purchases
Travel insurance
For trips up to 3 days
Get up to 4% cash back on your purchases
The percentage you get depends on the purchase category.
Groceries
Up to 4%
of your purchases
Restaurants
Up to 3%
of your purchases
Entertainment
3%
of your purchases
Alternative transportation
3%
of your purchases
Other purchases
1%
of your purchases
Annual cap
After your first $10,000 in annual purchases in the Groceries
Example
If you spend $800 a month on groceries, you get $32 cash back every month ($800 x 4% of your purchases). That's a total of $384 a year for that category.
Your account is automatically credited when you accumulate $100 cash back.
Benefits of the Cash Back World Elite® Mastercard®
Travel
Travel insurance for trips up to 3 days
Get free travel insurance for you and your family
What's included
- Emergency healthcare coverage: up to $5 million per person.
8 - 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.
Online
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.
Contact us
Claims
Perks to elevate your travel experience
- Access over 1,300 airport lounges in more than 140 countries, courtesy of Mastercard Travel Pass External link provided by DragonPass.
9 Simply download the Mastercard Travel Pass app and show your membership. - FlexiRoam: Unlock a complimentary Flexiroam International eSIM Plan. Enjoy seamless, hassle-free connectivity. The World Elite Mastercard unlocks a complimentary three x 1GB Global Data Roaming eSIM Plan and 15% off on future purchases of eSim Plans
10 . mastercard.ca/worldelite - Create memories that last a lifetime with exclusive experiences available near you, around the world and online with Mastercard's Priceless.com External link.
- Earn cash back with the Mastercard Travel Rewards External linkTM program when you use your credit card outside of Canada.
Car rental
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, and Dollar.
Hertz
- Up to 25% off the rental rate
11 - No young drivers surcharge
12 - No fee for additional drivers
13 - Automatic eligibility for Five Star® status with the Hertz Gold Plus® Rewards program
- 20% off the Prestige collection (US and Europe)
- 25% off a GPS unit
- Reduced Loss Damage Waiver
12
Thrifty and Dollar
- Up to 10% off the rental rate
11 - No young drivers surcharge
12 - No fee for additional drivers
13
Auto rental collision and loss damage insurance
This insurance covers you for up to 48 consecutive days in the event your rental car is damaged or stolen when you pay for the total cost of the rental with your card.
Help in case of an accident
Canada and the US:
1-888-409-4442 Phone number for assistance in case of an accident in Canada or the US. This will launch your default phone software.
Other countries (collect call):
613-634-4993 Phone number for assistance in case of an accident while travelling outside Canada and the US. This will launch your default phone software
Information and claims
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.
Mobile device and purchase protection
Mobile device insurance
Get up to $1,500 to cover the loss, theft, accidental damage or mechanical failure of mobile devices purchased with this card.
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
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.
Purchase protection and extended warranty
Purchase protection and extended warranty provide better protection for the eligible items you purchase with your credit card.
Purchase protection
Purchase protection covers eligible items purchased with your card in the event of loss or damage for 120 days from the purchase date.
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 2 additional years on most items purchased with your card.
Read the Certificate of Insurance to learn all about this coverage.
Information and claims
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.
Financing and cash advances
- Pay for a project or make a large purchase with Accord D financing.
- Get cash advances of up to $5,000 a day
15 at 21.9% interest.
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
- Additional card: no annual fee for Desjardins members, $30 a year for non-members
16 - 21-day grace period to pay off your balance without incurring interest, except on cash advances
2 - 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
- Security alerts by text message if we detect unusual activity on your credit card account
- Zero Liability if fraudulent transactions are made with your card
- Desjardins Identity Protection to safeguard your assets and support you if your identity is stolen
Apply for the Cash Back World Elite Mastercard
By phone
We can call you when it's convenient.