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Best for: Overall value
4.0Ratesopedia rating

You earn 3x on groceries and 4x at restaurants. Estimated first-year value is $549.

Annual Fee
$395
Rewards rate
1.5x

Bonidollars Desjardins

Welcome Bonus
1st Year Value
$549

Pros

  • 3x on groceries
  • 4x at restaurants
  • Estimated 1st-year value of $549

Cons

  • High annual fee ($395)
  • No welcome bonus
  • Requires good credit
Best for: No annual fee
3.8Ratesopedia rating

The Desjardins Cash Back Visa has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 2x at restaurants. Estimated first-year value is $264.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$264

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus
Best for: No annual fee
3.8Ratesopedia rating

The Desjardins Cash Back Mastercard has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 2x at restaurants. Estimated first-year value is $264.

Annual Fee
$0
Rewards rate
0.5x

Cash Back

Welcome Bonus
1st Year Value
$264

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus
Best for: No annual fee
3.8Ratesopedia rating

The Desjardins Bonus Visa Credit Card has no annual fee, making it risk-free to hold. You earn 0.5x on groceries and 2x at restaurants. Estimated first-year value is $203.

Annual Fee
$0
Rewards rate
0.5x

Bonidollars Desjardins

Welcome Bonus
1st Year Value
$203

Pros

  • No annual fee
  • 2x at restaurants

Cons

  • No welcome bonus
Best for: No annual fee
3.3Ratesopedia rating

The Desjardins Flexi Visa Card has no annual fee, making it risk-free to hold. You earn 0x on groceries and 0x at restaurants.

Annual Fee
$0
Rewards rate
0x
Welcome Bonus
1st Year Value

Pros

  • No annual fee

Cons

  • No welcome bonus
  • Modest reward rates

Complete Guide

Best Desjardins Credit Cards in Canada

Compare all Desjardins credit cards. Odyssey, Bonusdollars, and Remises Visa cards reviewed.

Desjardins Credit Card Lineup

Desjardins, Canada’s largest federation of credit unions, offers credit cards with the Odyssey travel program, Bonusdollars rewards, and cash back (Remises) options. As a Quebec-based institution, their cards are popular in the province.

Key Programs

Odyssey points are redeemable for travel through the Desjardins portal. Bonusdollars can be used at participating merchants. Their Remises Visa cards offer simple cash back.

8

Cards analyzed

Jun 2026

Last updated

100%

Independent

Methodology

Our team evaluates credit cards based on overall consumer value: rewards earning rates, annual fees, welcome bonuses, insurance coverage, and additional perks. Cards are ranked by estimated first-year value. We update our picks monthly.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

FAQ

Frequently Asked Questions

1What is the best Desjardins credit card?

The Desjardins Odyssey Visa Infinite is their best travel card. For cash back, the Remises Visa cards offer straightforward returns.

2Do I need to be a Desjardins member?

Yes, you typically need to be a member of a Desjardins caisse populaire to apply for their credit cards.

Next step

Find your perfect card

Compare the best credit cards in Canada or calculate which card's rewards actually fit your budget.