Quels sont les frais annuels de la carte Desjardins Cash Back Mastercard?

La carte Desjardins Cash Back Mastercard n’a pas de frais annuels.

La carte Desjardins Cash Back Mastercard en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 224 $ en récompenses annuelles nettes après les frais annuels et 224 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Desjardins Cash Back Mastercard rapporte-t-elle?

Earn 2% cash back on eligible restaurants, entertainment, alternative transportation and pre-authorized payments; 0.5% on other purchases.

Quel est le taux d’intérêt de la carte Desjardins Cash Back Mastercard?

Le taux d’intérêt sur les achats est de 20,9 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Desjardins Cash Back Mastercard

Desjardins

Accumulation des récompenses

dining: 2% cash back

Frais annuels: 0,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 224,4 $
Valeur la première année: 224,4 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 0 $

Cartes supplémentaires : 0 $

Taux d’intérêt

Achats : 20,9 %

Avances de fonds : 21,9 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : 2,5 %

Type de carte

Mastercard · Remise en argent

Récompenses

Programme : Remises en argent

Émetteur

Desjardins

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

Earn 2% cash back on eligible restaurants, entertainment, alternative transportation and pre-authorized payments
0,5 % sur les autres achats

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

224,40 $

net annual rewards

Récompenses annuelles nettes: 224,40 $

Détail des récompenses annuelles

Récompenses accumulées en un an	224,40 $
Frais annuels	0,00 $
Récompenses annuelles nettes	224,40 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Illustrative annual rewards: 185,70 $
Frais annuels habituels: 0,00 $
Illustrative net ongoing value: 186,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Eligible dining purchases. This is part of your existing spending.
Enter monthly Eligible recurring bills purchases. This is part of your existing spending.
Enter monthly Eligible entertainment purchases. This is part of your existing spending.
Enter monthly Eligible alternative transportation. This is part of your existing spending.
Enter monthly Eligible public EV charging (exclude gasoline). This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Desjardins Cash Back Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Eligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding.

Enter eligible net purchase spending only. Exclude cash advances, fees, interest and purchases that do not earn cashback. The estimate assumes an open account in good standing and does not model refund timing, mid-cycle rate changes or payout dates.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Eligible dining purchases · CAD/monthEligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding. Parent: $200/month; remaining: $200/month.Eligible recurring bills purchases · CAD/monthEligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding. Parent: $200/month; remaining: $200/month.Eligible entertainment purchases · CAD/monthEligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding. Parent: $100/month; remaining: $100/month.Eligible alternative transportation · CAD/monthEligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding. Parent: $80/month; remaining: $80/month.Eligible public EV charging (exclude gasoline) · CAD/monthEligible net purchases in good standing only. Allocate pre-authorized payments first when rates tie; count each purchase once. Alternative transport includes public EV charging, not gasoline. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases. Returns deduct at the rate on the credit date. Aggregate estimates exclude refund chronology and issuer rounding. Parent: $150/month; remaining: $150/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 224,40 $
Valeur la première année: 224,40 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Dining and recurring billsUp to $3,600 a year (shared)2 %cash back
Entertainment, transit and gas2 %cash back
Tout le reste0,5 %cash back

Earning rules and limits

0.5% applies after the cap.
Eligible net purchases in good standing only.
Count each purchase once.
Alternative transport includes public EV charging, not gasoline.
Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic funds transfers, money orders and casino purchases.
Returns deduct at the rate on the credit date.

Redemption methods

Remises en argent
Full cash value
Fonctionnement
- Automatic account credit at $25 accumulated.
- Cheque conversion may be requested within 60 days if credit-limit conditions permit.
- Closure redemption is restricted to 90 days and eligible replacement products.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: not included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

3 assurances

AssuranceCoverage

Protection des achats10 000 $
$10,000 per item; $50,000 lifetime per account
90 days from purchase
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée10 000 $
$10,000 per item; $50,000 lifetime per account
Doubles manufacturer warranty; up to 1 additional year
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply. Original warranty valid in Canada; manufacturer warranty eligibility limits, closure and exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 000 $
Up to $1000 after depreciation and applicable deductible
Later of 30 days after purchase or first billed payment; ends by 2 years from purchase
Full device cost, or all upfront/financed plan bills, charged to card. New or qualifying manufacturer/provider refurbished device; 2% monthly depreciation. One claim/12 months and two/48 months across covered accounts; missing required bill payment ends cover.
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

0,5 % sur les autres achats
Sans frais annuels

Points faibles

Frais d’opérations en devises de 2,5 %
Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

Closure redemption is restricted to 90 days and eligible replacement products.

Automatic account credit at $25 accumulated; cheque conversion may be requested within 60 days if credit-limit conditions permit. Closure redemption is restricted to 90 days and eligible replacement products.

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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