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

La carte Desjardins Cash Back World Elite Mastercard comporte des frais annuels de 100 $.

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

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 294 $ en récompenses annuelles nettes après les frais annuels et 294 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

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

Desjardins

Accumulation des récompenses

Earn 4% cash back on eligible groceries, 3% on restaurants, entertainment and alternative transportation, and 1% elsewhere.

Frais annuels: 100,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 294 $
Valeur la première année: 294 $

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

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Dernière vérification : 2 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 100,00 $

Cartes supplémentaires : 30,00 $

Taux d’intérêt

Achats : 20,9 %

Avances de fonds : 21,9 %

Revenu annuel

Personnel : 80 000 $

Ménage : 150 000 $

Opérations en devises

Frais : 2,5 %

Type de carte

Mastercard · Remise en argent

Récompenses

Programme : Remises en argent

Émetteur

Desjardins

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

Earn 4% cash back on eligible groceries, 3% on restaurants, entertainment and alternative transportation, and 1% elsewhere

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

294,00 $

net annual rewards

Récompenses annuelles nettes: 294,00 $

Détail des récompenses annuelles

Desjardins grocery purchases	120,00 $
Autres achats	39,60 $
Desjardins restaurant purchases	36,00 $
Achats en ligne	36,00 $
Épicerie	30,00 $
Desjardins public EV charging	27,00 $
Divertissement	24,00 $
Paiements récurrents	24,00 $
Desjardins alternative transportation	14,40 $
Restaurants et repas	12,00 $
Voyages	12,00 $
Essence et recharge de véhicules électriques	9,00 $
Transport en commun	4,80 $
Pharmacies	4,80 $
Frais annuels	− $100.00
Récompenses annuelles nettes	294,00 $

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: 393,60 $
Frais annuels habituels: 100,00 $
Illustrative net ongoing value: 294,00 $

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 Desjardins grocery purchases. This is part of your existing spending.
Enter monthly Eligible Desjardins restaurant purchases. This is part of your existing spending.
Enter monthly Eligible Desjardins entertainment purchases. This is part of your existing spending.
Enter monthly Eligible Desjardins alternative transportation. This is part of your existing spending.
Enter monthly Eligible Desjardins public EV charging. 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 World Elite 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.

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 Desjardins grocery purchases · CAD/monthGrocery MCC 5411, 5422 or 5462; exclude merchants not assigned an eligible code. Parent: $500/month; remaining: $500/month.Eligible Desjardins restaurant purchases · CAD/monthRestaurant MCC 5812 or 5814; exclude other food/drink merchants. Parent: $200/month; remaining: $200/month.Eligible Desjardins entertainment purchases · CAD/monthEntertainment MCC 7922, 7929, 7991, 7832, 7996 or 7998; exclude other entertainment. Parent: $100/month; remaining: $100/month.Eligible Desjardins alternative transportation · CAD/monthTransportation MCC 4111, 4131, 4121 or 4789; eligible public EV charging MCC 5552 may instead be allocated within gas/EV spending, never both. Parent: $80/month; remaining: $80/month.Eligible Desjardins public EV charging · CAD/monthPublic EV charging MCC 5552 only; exclude gasoline purchases and amounts already included under transportation. 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

Typical spending: $2,000/month · $24,000/year · net of annual fee

First-year bonus: 0,00 $
Récompenses annuelles nettes: 294,00 $
Valeur la première année: 294,00 $

Redemption methods

Standard point value
—

Bonus rates apply to eligible purchases; everything else earns the base rate.

Points Breakdown — earning schedule
Spending category	Earning rate	Restrictions & Spending cap	Annual earning
Desjardins grocery purchases	4% cash back	Up to $10,000 a calendar year (shared) $10,000.00 eligible pool purchases / calendar year After cap: 1% cash back	120,00 $
Desjardins restaurant purchases	3% cash back	Up to $6,000 a calendar year (shared) $6,000.00 eligible pool purchases / calendar year After cap: 1% cash back	36,00 $
Desjardins entertainment purchases	3% cash back	See rules Uncapped under the reviewed ongoing schedule	18,00 $
Desjardins alternative transportation	3% cash back	See rules Uncapped under the reviewed ongoing schedule	14,40 $
Desjardins public EV charging	3% cash back	See rules Uncapped under the reviewed ongoing schedule	27,00 $
Other & non-bonus-eligible purchases	1 % de remise	Base rate on residual purchases; merchant bonus eligibility not assumed	178,20 $

Full base-rate purchase details (10 categories)

Residual purchases	Base rate	Annual purchases	Annual earning
groceries	1 % de remise	3 000,00 $	30,00 $
dining	1 % de remise	1 200,00 $	12,00 $
gas	1 % de remise	900,00 $	9,00 $
transit	1 % de remise	480,00 $	4,80 $
travel	1 % de remise	1 200,00 $	12,00 $
recurring bills	1 % de remise	2 400,00 $	24,00 $
entertainment	1 % de remise	600,00 $	6,00 $
drugstore	1 % de remise	480,00 $	4,80 $
online shopping	1 % de remise	3 600,00 $	36,00 $
other	1 % de remise	3 960,00 $	39,60 $

Offre de bienvenue

Check the issuer for current offer terms. Year 1: Year 1 requires separately verified offer terms and qualifications.

Assumptions, restrictions & sources

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

Earn 4% cash back on eligible groceries, 3% on restaurants, entertainment and alternative transportation, and 1% elsewhere.

Restrictions, caps & redemption

Eligible groceries earn 4% on the first $10,000 per calendar year and 1% thereafter; eligible restaurants earn 3% on the first $6,000 and 1% thereafter.
Eligible entertainment and alternative transportation, including eligible public EV charging, earn uncapped 3%; other eligible purchases earn 1%.
Merchant category codes determine eligibility.
Cash back is automatically credited for each $100 accumulated, subject to account standing; a cheque may be requested under issuer conditions.
Annual estimates cover one complete calendar reward cycle with an even spending mix, not Year 1 or exact transaction posting.
The $100 primary-card fee is deducted; optional additional cards cost $30 each and are excluded.
Annual bonus-spend limits: $10,000 groceries and $6,000 restaurants; 1% after each cap. Eligible MCCs and issuer exclusions apply.
Rewards require an account in good standing. Purchases exclude refunds, cash advances, interest, fees and other issuer-excluded transactions. Estimates exclude interest, FX charges and optional additional-card fees.
Automatic account credit for each $100 accumulated; cheque may be requested under issuer conditions.

Regular annual fee: $100.00. The value ledger deducts applicable fees separately.

Total annual estimated reward value: $393.60.

Official CAD cash account-credit program, at face value; no points valuation.

Rewards require an account in good standing. Purchases exclude refunds, cash advances, interest, fees and other issuer-excluded transactions. Estimates exclude interest, FX charges and optional additional-card fees. Automatic account credit for each $100 accumulated; cheque may be requested under issuer conditions.

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: 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

5 assurances

AssuranceCoverage

Protection des achats10 000 $
$10,000 per item; $50,000 lifetime per account
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. Current issuer summary says 120 days; linked certificate says 90 days. Duration remains unresolved.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée10 000 $
$10,000 per item; $50,000 lifetime per account
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. Current summary says 2 additional years; linked certificate says 1. Duration remains unresolved.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobilesInclus
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. Current summary maximum $1,500 conflicts with linked certificate $1,000; claim limit remains unresolved.
Issuer terms (opens new tab)
Not counted in this estimate
Collision ou dommages au véhicule de locationVéhicules jusqu’à 85 000 $
Eligible vehicle MSRP at most $85,000 excluding taxes; actual loss per certificate
Maximum 48 consecutive rental days
Book and pay full rental with card, rental in cardholder name; decline CDW where permitted. If agency waiver is required or chosen, certificate deductible coverage may apply. Eligible vehicles only, one rental at a time; notify insurer within 48 hours. No third-party liability.
Issuer terms (opens new tab)
Not counted in this estimate
Travel insurance for eligible trips of up to three daysInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

Les récompenses typiques couvrent les frais annuels de 100 $
5 types d’assurance inclus

Points faibles

Frais annuels de 100 $
Revenu personnel de 80 000 $ requis
Frais d’opérations en devises de 2,5 %
Les catégories bonifiées ont des plafonds de dépenses

Échange

Minimum, délais et restrictions d’échange

Automatic account credit for each $100 accumulated; cheque may be requested under issuer conditions.

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 : 2 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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