Desjardins · Visa
Business card
$25 with up to 1% cash back on a tier that runs to $750,000 of annual spending. Desjardins aims it at businesses spending far more than the fee suggests.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- Only $25 a year
- A cash back ceiling of $7,380 per period, higher than the standard Visa Business
- The tiered rate runs up to $750,000 of annual company purchases
- No fee for additional cards
Watch out for
- Desjardins markets it at businesses spending $500,000 to $750,000 a year, so a small business sits at the bottom of the tier
- A small business will earn well under the advertised 1%
- The rate is variable at prime plus 8.5%
- It requires a Desjardins business relationship
- A 2.5% foreign transaction fee
What this card earns
- Everything else
- 1%
- Bonus rates apply up to
- $7,380 of annual spending after that, the base rate
- Bonus categories at once
- 1 you choose which
The earning fine print
Up to 1% cash back, tiered on annual company purchases from $12,000 up to $750,000. Maximum cash back per period $7,380. Cash advances, cheques, interest, fees and enrolment costs excluded.
Fees and interest rates
- Annual fee
- $25
- Employee card
- Free
- 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
- Mobile device
- $1,000
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
What the benefits really mean
Desjardins positions this as the card 'for small and medium-sized businesses' with estimated annual spending between $500,000 and $750,000, i.e. It is aimed at the upper end, not micro-business, despite the low $25 fee. Common carrier accident insurance up to $100,000 for the cardholder and $10,000 for spouse/children. Auto rental collision/loss damage insurance included. Mobile device insurance up to $1,000. Purchase protection 90 days; extended warranty doubles manufacturer's warranty up to 1 additional year. 21-day interest-free grace period on purchases, none on cash advances. 2.5% conversion fee on non-USD foreign transactions. MEMBERSHIP-BASED RESTRICTION: requires a Desjardins business relationship; the caisse network is effectively Quebec and Ontario only. No minimum revenue or years-in-business is published. Free employee cards: Additional cards carry no annual fee for Desjardins members. The issuer publishes a formula rather than a purchase rate: "Prime rate + 8.5%". 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 + 8.5%". We leave the rate field empty rather than publish arithmetic the issuer never published. Marketed at businesses spending $500,000-$750,000/year; a small business will sit at the bottom of the cash back tier and earn well under 1%. Variable prime-linked APR, not fixed. $25 fee is per card. Requires an existing Desjardins business relationship.
Our verdict
At $25 with no fee for extra cards this is the cheapest way into the Desjardins business line, and for a genuinely large business the $7,380 cash back ceiling is the highest here.
The mismatch is who it is for. Desjardins describes the target as businesses spending $500,000 to $750,000 a year, and the cash back rate is tiered on that basis, so a business turning over $80,000 on the card earns a fraction of 1% while a card at another bank would pay a flat 1% from the first dollar. Read the tier table before assuming the headline rate applies to you.
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Where this came from. desjardins.com/en/business/credit-cards/visa-business-advantage.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.