Desjardins · Visa
Business card
$20 per card for spend controls and reporting, with no rewards. Adding the rewards programme raises the fee to $70 a card.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- Individual spend controls and per card credit limits
- A $100,000 liability waiver protecting the company against employee card misuse
- Travel, baggage, flight and rental collision insurance included
- Sensible for an organisation running a large card fleet
Watch out for
- The $20 fee is per card, so a twenty card fleet costs $400 a year before rewards
- There are no rewards at all on the base card
- Adding the CORPORATEbonus programme raises the fee to $70 a card, more than tripling it
- The rate is variable at prime plus 5%, or a fixed 18.9% for rewards members
- It requires a Desjardins business relationship
What this card earns
- What we value a point at
- Not published by the issuer
The earning fine print
No cash back programme on the base card. Enrolling in CORPORATEbonus raises the annual fee to $70 per card and switches the purchase rate to a fixed 18.9%.
Fees and interest rates
- Annual fee
- $20
- Employee card
- $20
- Employee cards included
- None
- Foreign transaction fee
- 2.5%
- Purchase APR
- Not published by the issuer
Who can get this card
- Existing account required
- Yes
- Personal guarantee required
- No you are personally liable for the balance
Insurance and benefits
- Rental car damage waiver
- Included
What the benefits really mean
A spend-control corporate card for larger organisations: individual spend controls and per-card credit limits, plus a $100,000 liability waiver protecting the company against employee card misuse. Travel insurance (baggage, flight, rental collision) included. Desjardins also offers a parallel Visa Purchasing card at $20 per card for procurement/spend-control use. MEMBERSHIP-BASED RESTRICTION: requires a Desjardins business relationship; the caisse network is effectively Quebec and Ontario. Free employee cards: 0. The $20 fee is per card. The issuer publishes a formula rather than a purchase rate: "Prime rate + 5% (18.9% fixed for CORPORATEbonus members)". We leave the rate field empty rather than publish arithmetic the issuer never published. The issuer publishes a formula rather than a cash advance rate: "Prime rate + 5%". We leave the rate field empty rather than publish arithmetic the issuer never published. No rewards on the base card; adding CORPORATEbonus triples the fee to $70 per card. $20 is per card, so a 20-card fleet costs $400/year before any rewards enrolment. Aimed at corporates with spend-control needs, not owner-operated small business. Requires an existing Desjardins business relationship.
Our verdict
The liability waiver is the genuinely useful feature and it is one almost nobody else offers. $100,000 of protection against an employee misusing a company card is a real risk transfer for an organisation handing out twenty cards, and the insurance package is more complete than most business cards at this price.
The pricing punishes exactly the businesses it is designed for. $20 per card means the cost scales linearly with the fleet, and turning on rewards takes it to $70 a card, so a twenty card programme goes from $400 to $1,400 a year. Work out the total before comparing it to a card with a single annual fee.
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Where this came from. desjardins.com/en/business/credit-cards/compare-cards.html ; desjardins.com/en/business/credit-cards.html (fetched 18 Aug 2026). We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.