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Credit cards

Our credit cards offer a variety of benefits designed to fit your needs and lifestyle. Discover what they are and choose the card that's right for you.

What type of credit card are you looking for?

Compare card features or use the filters to view credit cards that match your preferences.

Compare cards
Filters

  • Flexi Visa*

    Interest rate on purchases

    10.9%1

    Interest rate on cash advances

    12.9%1

    Annual fee

    None2
    Learn more about Flexi Visa

  • Cash Back Visa*

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    None3

    Cash back

    Up to 2% on your purchases4
    Learn more about Cash Back Visa

  • Cash Back Mastercard®

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    None3

    Cash back

    Up to 2% on your purchases4
    Learn more about Cash Back Mastercard

  • Bonus Visa*

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    None3

    Rewards program

    Up to 2% of your purchases in BONUS­DOLLARS5
    Learn more about Bonus Visa

  • Cash Back World Elite® Mastercard®

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    $1003

    Cash back

    Up to 4% on your purchases4
    Learn more about Cash Back World Elite Mastercard

  • Odyssey® Gold Visa*

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    $1103

    Rewards program

    Up to 2% of your purchases in BONUS­DOLLARS5
    Learn more about Odyssey Gold Visa

  • Odyssey® World Elite® Mastercard®

    Interest rate on purchases

    20.9%

    Interest rate on cash advances

    21.9%

    Annual fee

    $1303

    Rewards program

    Up to 3% of your purchases in BONUS­DOLLARS5
    Learn more about Odyssey World Elite Mastercard

  • Odyssey® Visa Infinite Privilege*

    Interest rate on purchases

    11.9%1

    Interest rate on cash advances

    12.9%1

    Annual fee

    $295 for Desjardins members and $395 for non-members6

    Rewards program

    Up to 4% of your purchases in BONUS­DOLLARS5
    Learn more about Odyssey Visa Infinite Privilege

Let us help you find the right card

Answer 6 questions to see the 2 credit cards best suited to your lifestyle.

See questions to get card suggestions.

Treat yourself with the BONUS­DOLLARS Rewards Program

Earn BONUSDOLLARS® by paying for your purchases with an eligible credit card. Then redeem them for meals at a restaurant, trips, financial products, gift cards and more!

Discover the BONUS­DOLLARS Rewards Program

Do you often travel to the US or live there part of the year?

You might be interested in the U.S. Visa credit card. You can make US dollar transactions without having to worry about conversion fees.

See the U.S. Visa card

Manage your credit card account online

Use AccèsD to manage your credit card account anytime, anywhere.

  • View your statement
  • Pay your credit card bill
  • Lock or replace a card
  • See your BONUSDOLLARS or cash back balance
  • Change the address associated with your account
Log in to AccèsD

Download the Desjardins mobile services app

Got a Visa Student, No-Fee Gold or Travel Gold card?

Manage your account online

Don't have an account with a Desjardins caisse or credit union?

You need to register for AccèsD before you can manage your credit card account. You can register online Register for AccèsD with a credit card number. or by phone at 1-800-224-7737 Phone number of customer service. This link opens your phone app. (1-800-CAISSES).

Lost or stolen card?

Before calling us, you can log in to AccèsD and use the Lock card feature to temporarily lock your card and prevent fraudulent transactions.

Learn more  about the Lock card feature.

Fraud protection

FAQ

How do I make a payment on my Desjardins credit card?

You can make a payment on your credit card online or on the phone.

On AccèsD

  1. Log in to AccèsD.
  2. Under Cards, loans and credit or under Accounts in the Quick access section of the mobile app, select the credit card in question.
  3. When you log in using a web browser, select Pay card. If you use the app, select Pay.
  4. Follow the instructions.

By phone

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link opens your phone app.

Elsewhere in Canada and the US:

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.

 How do I activate my new Desjardins credit card?

To activate your card, make a purchase or take out a cash advance at a payment terminal. Use the same personal identification number (PIN) as your old card.

To activate your new card without using a payment terminal (online purchase, contactless payment or preauthorized payment) or if you're using a Desjardins credit card for the first time, call us at 514-397-1580 Phone number of the card services customer service for the Montreal area. This link opens your phone app. or at 1-888-389-7823 Phone number to activate your credit card in Canada or the US. This link opens your phone app..

 How do I change the address for my Desjardins credit card account?

You can change your address for your credit card account online or by phone.

In a web browser

  1. Log in to AccèsD.
  2. In the Contact information section, select Edit under Mailing address.
  3. Select Review.
  4. Make sure you've entered your new address correctly, then select Confirm.

In the Desjardins mobile services app

  1. Sign in via the app.
  2. At the bottom of the screen, select More.
  3. Select Profile and preferences, then Contact information.
  4. Select Edit under Desjardins card services in the Other changes of contact information section.
  5. Make sure you've entered your new address correctly, then select Confirm.

If you change the address for your credit card account on AccèsD, the address for your account at the caisse or credit union won't be changed. To update the address for your account, go to your caisse or branch, or call us at 1-800-224-7737 This link opens your phone app. (1-800-CAISSES).

By phone

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link opens your phone app.

Elsewhere in Canada and the US:

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.

 How can I increase my credit limit?

If you're the sole cardholder, you can apply to increase your limit on AccèsD. If you're not the sole cardholder, you need to contact us by phone to apply for a limit increase.

In a web browser

  1. Log in to AccèsD.
  2. Under Cards, loans and credit, select the credit card in question.
  3. Select Manage card, then Manage limit.
  4. Follow the instructions.

In the Desjardins mobile services app

  1. Log in to the Desjardins mobile services app.
  2. Under Quick access, select Accounts.
  3. Under Cards, loans and credit, select the credit card in question.
  4. Select Manage card, then Manage limit.
  5. Follow the instructions.

By phone

Montreal area:

514-397-4415 Phone number of the card services customer service for the Montreal area. This link opens your phone app.

Elsewhere in Canada and the US:

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.

 How can I cancel my credit card?

You can cancel your credit card if you don't want to use it anymore. However, cancelling your credit card doesn't erase:

  • The balance due
  • Any outstanding payments on an Accord D financing plan
  • Any payments left on the pay in installments option
  • Transactions authorized before the cancellation
  • Pre-authorized payment arrangements (such as memberships or bill payments)

To close your credit card account, call us at 514-397-4415 Phone number of the card services customer service for the Montreal area. This link opens your phone app. or at 1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.. Keep in mind that you'll have to pay off your balance in full even if you cancel your card.

 How do I dispute a credit card charge?

Disputing a charge is a process that allows you to request a refund on an unauthorized transaction or on one where the terms and conditions established with the merchant weren't fulfilled. Before disputing a charge, make sure it's not a preauthorization at a gas station or a transaction that's authorized but not posted.

Follow these steps to dispute a charge:

  1. Make a good-faith effort to resolve the issue with the merchant.
  2. Contact Desjardins customer service to open your file.
  3. Wait for the dispute settlement.

Learn more about disputing a credit card charge

If you suspect a fraud, contact us immediately at 1-800-224-7737 This link opens your phone app..

Learn more about refunds in the event of fraud
See all credit card questions

Contact us

By phone

Monday to Friday: 7 AM to 9 PM (Eastern Time)
Saturday and Sunday: 8 AM to 6 PM (Eastern Time)

1-800-363-3380 Phone number of the card services customer service for Canada and the US. This link opens your phone app.

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. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. BONUSDOLLARS ® is a registered trademark of the Fédération des caisses Desjardins du Québec. * Trademark of Visa International Service Association and used under licence. If you don't make the minimum payment by the due date, the annual interest rates on purchases and cash advances will increase to 19.9% until we receive your payment. 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. 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. BONUSDOLLARS are 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 BONUSDOLLARS. 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 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 11.9% and your average daily outstanding balance is $100, you'd be charged $0.98 in interest. If it's $500, you'd be charged $4.89 in interest, and if it's $1,000 you'd be charged $9.78 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.