Your Top Match
🏆 Desjardins Cash Back
2% Cash Back on the Things You Actually Spend On
Why this is your top card:
No Annual Fee
2% on Dining & Subs
Auto Redemption
Mobile Insurance
Card Details
A no-fuss cash back card that rewards your everyday spending—dining out, streaming subscriptions, concert tickets, and transit. No annual fee, and cash back automatically credits your account at $25.
Includes mobile device insurance up to $1,000 when you pay your phone bill with this card. Purchase protection and extended warranty round out an impressive perk package for a free card.
Network
Visa
Deposit
None required
Annual Fee
No annual fee
Pros
No annual fee, ever. Keep it in your wallet without ongoing costs.
2% cash back on restaurants, subscriptions, entertainment, and transit—categories that match how you actually spend.
Automatic redemption at $25. No points portals, no manual redemption required.
Mobile device insurance up to $1,000—rare for a no-fee card and genuinely valuable.
Purchase protection and extended warranty coverage for added peace of mind.
Cons
Only 0.5% on everything outside the bonus categories. Weaker than flat-rate cards offering 1-1.5%.
Annual cap of $3,600 on restaurants and subscriptions before dropping to 0.5%.
2.5% foreign transaction fee—not ideal for travel or USD purchases.
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