Desjardins Cash Back Visa: Eligibility, Application Process and Support
The previous page explained how the Desjardins Cash Back Visa rewards dining, entertainment, and recurring bill payments with a 2% rate, subject to an annual cap. This page covers what it takes to get approved, how the application works, and Desjardins’ real, confirmed customer service contact.
Below, you will find the additional benefits included with the card, the eligibility picture, the application steps, and Desjardins’ official support channel.
Additional benefits
Beyond cash back, Desjardins bundles in a set of everyday and travel-related protections that are worth understanding before relying on them.
Purchase protection and extended warranty
New personal items purchased with the card can be covered against loss, theft, or damage for up to 90 days, and the manufacturer’s warranty is doubled for up to one additional year on most items bought with the card.
Travel insurance and car rental savings
Free travel insurance covers trips of up to three days, including trip cancellation coverage up to $500 per person before departure and up to $1,000 per person after departure, alongside discounts of up to 15% on car rentals with Hertz, Thrifty, and Dollar.
Eligibility requirements
Applicants generally need to be the age of majority in their province, pass Desjardins’ standard credit check, and, in most cases, become a Desjardins member or client as part of holding the card. Desjardins’ public materials for this card do not list a specific minimum credit score or income figure in the summary reviewed for this article.
Confirm the current eligibility requirements directly with Desjardins before applying, since membership and credit terms can vary.
Required documentation
- Valid government-issued photo identification
- Social Insurance Number, requested during the application
- Employment and income details, if requested during underwriting
- A Canadian mailing address
How to apply
Desjardins supports an online application for this card through its website, along with the option to apply in person at a Desjardins caisse (branch) for anyone who prefers in-person service.
Step by step
- Start the application on Desjardins’ official website, or visit a local caisse.
- Provide personal and financial details, including proof of income if requested.
- Consent to a credit check as part of Desjardins’ underwriting process.
- Receive a decision from Desjardins once the application and credit check are processed.
- Activate the card by mail once approved, and set up access through AccèsD.
Operational details
Once active, cash back accrues automatically by category, tracked against the $3,600 combined annual cap on bonus categories, and can be reviewed at any time through AccèsD online or mobile banking.
Timelines and features
- The bonus category cap resets annually rather than carrying over
- Cash advances are available at ATMs or through AccèsD, both charged at the 21.9% cash advance rate
- The minimum payment due each period is calculated based on the outstanding balance, interest, and any unpaid installments from prior periods
Official contact
For questions about an application or an existing account, Desjardins’ official customer service line is the reliable first point of contact.
Support channels
- Desjardins Customer Service: 1-800-463-7845
- AccèsD online and mobile banking for day-to-day account management
- Local Desjardins caisse (branch) for in-person support
Other common questions
Does the cash back cap apply per category or combined?
According to Desjardins’ published terms, the $3,600 threshold applies to combined spending across the Restaurants and Pre-authorized Payments bonus categories together, not to each category separately.
Can I use this card outside Quebec?
Yes, the card runs on the Visa network and is accepted the same way as any other Visa card across Canada and internationally, regardless of where the cardholder resides.
Is the extended warranty automatic on every purchase?
The extended warranty benefit generally applies to eligible items purchased with the card, subject to the terms Desjardins publishes for this coverage, so keeping purchase receipts remains a good practice.
Is the Desjardins Cash Back Visa good in practice?
Day to day, the card is easy to manage through AccèsD, and the bonus categories align well with common recurring spending like dining and bill payments. The annual cap is the main detail to plan around for anyone who spends heavily in those specific categories.
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