Desjardins Cash Back Mastercard
No annual fee, up to 2% cash back, mobile device and travel insurance, and a 19.90% APR make this a competitive choice for Canadian cardholders.
The Desjardins Cash Back Mastercard stands out for Canadians looking to maximize rewards with no annual fee. Cardholders benefit from a 2% cash back rate on purchases and enjoy added coverage via mobile device and three-day travel insurance perks. With an attractive 19.90% ongoing APR, this card is an excellent option for anyone wanting essential protection and ongoing savings.
How to Apply for the Desjardins Cash Back Mastercard
- Gather your Canadian ID and personal financial details.
- Visit the official application page offered by Desjardins.
- Fill out the online form, double-checking all fields.
- Submit your application and wait for email confirmation.
- Once approved, activate your physical card and set a PIN.
Advantages of the Desjardins Cash Back Mastercard
This card provides straightforward cash back rewards on every purchase with no cap, allowing you to earn and save consistently. In addition, the $0 annual fee ensures there’s no cost for ongoing membership, making it easy to hold long term.
Cardholders enjoy peace of mind with complimentary mobile device insurance and short-term travel insurance, which adds practical value. These benefits cover common situations, helping reduce out-of-pocket expenses for unforeseen events.
Things to Consider Before Applying
The primary interest rate of 19.90% means carrying a balance month-to-month can add up. Paying off your statement balance each cycle is important to maximize cash back benefits without extra cost.
While it offers strong insurance perks, the travel coverage is limited to only three days. Those with longer or frequent travel plans may require additional coverage elsewhere.
Veredito: Você deveria comprar este cartão?
The Desjardins Cash Back Mastercard is an ideal everyday card for Canadians prioritizing savings and basic coverage. If you pay your balance in full, this card offers solid long-term value without fees, while still providing welcome insurance perks and flexible rewards.
