MastercardFX: 2.5%Cash Back
Desjardins
Desjardins Cash Back World Elite MC
Cash Back
First Year Bonus
~$300
Welcome Bonus
No welcome bonus
Annual Fee
$100
Spend Required
—
Get notified when this offer goes elevated
We'll email you if Desjardins Cash Back World Elite MC runs a higher-than-normal welcome bonus.
Data verified Apr 1, 2026
Earn rates
4%
grocery
3%
restaurants
2%
transit & entertainment
1%
everywhere else
Points value: 1–4% cash back rate
Transfer partners
Cash back — no transfer partners
Lounge access
Mastercard Travel Pass — some lounge access
Additional perks
- ✓4% on grocery with no annual cap is best-in-class for cash back on groceries
- ✓Strong restaurant earn rate
- ✓Solid choice for Desjardins credit union members
Insurance coverage
Travel Medical ($2M)
Trip Cancellation
Trip Interruption
Baggage Delay
Lost Baggage
Rental Car
Purchase Protection
Extended Warranty
Card details
NetworkMastercard
Annual fee$100
Foreign fee2.5%
Income req.$80,000 personal or $150,000 household
ProgramCash Back
