As a credit union that's based in Quebec, you may be surprised to know that Desjardins offers credit cards to all Canadians.

They offer an assortment of credit cards, from low interest, cash back, and flexible rewards with their BONUSDOLLARS rewards program.

While many of them offer great perks and insurance, the rewards aren't quite the best.

Here are the top Desjardins credit cards, and some alternative credit cards to consider.

Best Desjardins credit cards

CategoryDesjardins Credit CardAlternative Credit Card
Best rewards Desjardins credit cardDesjardins Odyssey World Elite Mastercard
Best low interest Desjardins credit cardDesjardins Modulo Visa
Best cash back Desjardins credit cardDesjardins Cash Back Mastercard

Review all Desjardins credit cards here.

Best Rewards Desjardins Credit Card

For earning flexible rewards and getting a great insurance package, the fits the bill.

You'll earn 1.5% back in BONUSDOLLARS on the first $20,000 you spend annually, which increases to 2% back after that. If you're a Desjardins member, you'll earn a bonus at the end of the year, equal to 20% of the rewards you collected.

But the insurance is the real selling feature of this card. It only comes with 11 types of included coverage, but has some stellar coverage amounts, including 60 days of emergency medical coverage.

You'll also be able to access the Desjardins Odyssey airport lounge in Montreal, with 8 free passes included.

It's all for an annual fee of $130.

Alternative credit card to consider

For more insurance coverage and better rewards, take a look at the . Our top ranked insurance credit card, you'll get a stunning 15 types of coverage. And you'll earn more rewards too – 2% cash back on your first $25,000 in annual spend.

It does have a slightly higher annual fee of $199, but you'll be getting more insurance coverage and better rewards.

Related: Best Flexible Rewards Credit Card In Canada for 2020

Best low interest Desjardins credit card

Need to save on credit card debt? Desjardins offers the .

You'll get a low interest rate of 10.9% on purchases, cash advances, and balance transfers.

As a bonus it also offers rewards. You'll earn 1% back in BONUSDOLLARS on all your purchases. It's a rare card that offers both rewards and low interest rates.

This package comes with an annual fee of $50

Alternative credit card to consider

If you're taking advantage of this card for the low interest rates, there are credit cards can get you even lower rates. For a lower annual fee of $35, the offers a lower interest rate of 8.99% on both purchases and balance transfers.

It also comes with a balance transfer offer of 0% for the first 6 months, helping save even more on credit card debt.

Related: Best Low Interest Credit Cards In Canada For 2020

Best cash back Desjardins credit card

Want some simple cash back rewards? The , and its twin the , offer cash back rewards for no annual fee.

With these cards, you'll earn:

  • 1% cash back when you use contactless payments and on recurring bills, and
  • 0.5% on all other purchases.

It also includes mobile device coverage, as well as 8 other types of insurance – impressive for a no fee credit card.

Alternative credit card to consider

To earn 1% on any purchase, no matter how you pay, consider the instead.

You won't have to worry about using a contactless payment method to get 1% cash back. It's simply on every purchase.

You can also earn bonus rewards when shopping with Brim's 150+ retail partners, and also pay no foreign exchange fees. And you'll get 5 types of insurance coverage, including mobile device coverage.

Related: Best No Annual Fee Credit Cards In Canada For 2020

Compare Desjardins Credit Cards

This table is displaying our default Genius Rating, which applies our standard weight to all 8 of our scoring categories (rewards, fees, insurance, interest, perks, approval, and acceptance). The other card displays in the article are configured to specific categories, based on what the card does best. Learn more about our rating methodology.

Frequently asked questions about Desjardins credit cards

Here are some frequently asked questions about Desjardins credit cards.

Are Desjardins credit cards available outside of Quebec?

Yes, Desjardins credit cards are available in all provinces and territories, not just in Quebec.

What can Desjardins BONUSDOLLARS be used for?

You can redeem Desjardins BONUSDOLLARS for travel, towards Desjardins financial products, show tickets, donations, gift cards, and merchandise.

Are there any advantages to being a Desjardins member if you have one of their credit cards?

The Desjardins Odyssey World Elite Mastercard offers an annual 20% bonus rewards points if you're a Desjardins member. Many of their other credit cards also offer free additional cards if you're a Desjardins member.

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