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.
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.
* 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.
Back to note reference Go to note [ 1 ]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.
Back to note reference Go to note [ 2 ]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.
Back to note reference Go to note [ 3 ]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.
Back to note reference Go to note [ 4 ]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.
Back to note reference Go to note [ 5 ]The 3% BONUSDOLLARS rate will be applied to the first $10,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.
Back to note reference Go to note [ 6 ]The 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.
Back to note reference Go to note [ 7 ]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.
Back to note reference Go to note [ 8 ]The 4% Cash Back rate will be applied to the first $10,000 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.
Back to note reference Go to note [ 9 ]The 3% Cash Back rate will be applied to the first $6,000 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.
Back to note reference Go to note [ 10 ]You're also eligible if the value of your assets under management is more than $400,000. Examples of assets to include: RRSPs, TFSAs, bank accounts, investments, cottages and rental properties. Examples of assets to exclude: Cars, boats, artwork and primary residence.
Back to note reference Go to note [ 11 ]Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with the Fédération des caisses Desjardins du Québec or the Caisse Desjardins Ontario Credit Union Inc. Non-members have to pay for additional cards: $30 for the Odyssey Gold Visa and Cash Back World Elite Mastercard, $40 for the Odyssey World Elite Mastercard and $95 for the Odyssey Visa Infinite Privilege.
Back to note reference Go to note [ 12 ]Each installment is added to your minimum payment due and must be paid in full each month. If you don't make the minimum credit card payment, your card's interest rate will apply to the monthly payment.
Back to note reference Go to note [ 13 ]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.
BackThe 2% BONUSDOLLARS 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 BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.
BackThe 2% BONUSDOLLARS rate will be applied to the first $6,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.
BackYou 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.
BackThe 3% BONUSDOLLARS rate will be applied to the first $25,000 of eligible purchases made on the account in this category between January 1 and December 31 of each year. After that, the BONUSDOLLARS rate for the Other purchases category will apply for the remainder of the current year.
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