Desjardins Bonus Visa Review

The Desjardins Bonus Visa isn’t just another credit card; it’s your ticket to a world of cashback rewards and financial flexibility.

Get ready to experience a credit card that truly gives back! The Desjardins Bonus Visa card is designed for savvy individuals who want to make their everyday spending work harder for them. 

This isn’t just another piece of plastic; it’s your key to a world of benefits, savings, and peace of mind, all with the trusted backing of Desjardins.

CREDIT CARD

Desjardins Bonus Visa

No annual fee Purchases in rewards

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Ways the Desjardins Bonus Visa Elevates Your Experience!

• No Annual Fee: Imagine enjoying all the fantastic rewards and benefits of a premium credit card without having to pay a single dollar in annual fees! The Desjardins Bonus Visa card makes this a reality. 
• Earn BONUSDOLLARS on Everyday Purchases: Transform your routine spending into exciting rewards! With the Desjardins Bonus Visa, you’ll accumulate BONUSDOLLARS on a wide range of purchases. 
• Accelerated Earnings in Key Categories: Watch your rewards pile up even faster! The Desjardins Bonus Visa card offers an amazing up to 2% in BONUSDOLLARS on eligible purchases in popular categories like restaurants, entertainment, alternative transportation, and pre-authorized payments. 
• Free Additional Card: The Desjardins Bonus Visa card allows you to request an additional card for an authorized user, and the best part is, it’s often free for Desjardins members. This allows you to consolidate family spending and potentially accumulate BONUSDOLLARS even faster, all while providing a convenient payment tool for another member of your household.
• Accord D Financing Options: For larger purchases, the Desjardins Bonus Visa card can offer access to Accord D financing at participating merchants. This allows you to pay for significant purchases in smaller, equal installments, making big-ticket items more manageable within your budget. It’s a flexible payment solution that can help you acquire what you need without derailing your finances.
• 21-Day Grace Period: Benefit from added flexibility in managing your payments with a 21-day grace period. This means you have up to 21 days from your statement date to pay off your balance in full for purchases without incurring interest charges. 

Who Can Apply for the Desjardins Bonus Visa Card?

To be eligible to apply for the Desjardins Bonus Visa card, you generally need to meet the following criteria:

• Age of Majority: You must have reached the age of majority in your province or territory of residence.
• Residency: You must be a Canadian resident.
• Creditworthiness: Applicants will be subject to a credit check, and a good credit history is typically required for approval. Desjardins will assess your financial information and credit score to determine your eligibility.
• Income: While a specific minimum income is not always explicitly stated for this card, your income level will be a factor in the credit assessment process to determine your credit limit and ability to manage the credit.
• Desjardins Membership (Potentially Recommended): While not always a strict requirement for all Desjardins credit cards, being a Desjardins member can sometimes offer additional benefits or preferred terms. It’s advisable to check if membership is required or recommended at the time of application.

How to Apply for the Desjardins Bonus Visa Card:

Applying for the Desjardins Bonus Visa card is a straightforward process. Here’s a general guide:

1. Visit the Desjardins Website: Navigate to the official Desjardins website (desjardins.com) and find the credit card section. Locate the “Bonus Visa” card.
2. Review Card Details and Eligibility: Carefully read through the card’s features, benefits, fees, interest rates, and eligibility criteria to ensure it meets your needs and that you qualify.
3. Gather Necessary Information: Before starting the online application, have the following information readily available:
   • Personal Information: Full name, date of birth, Social Insurance Number (SIN), and contact details (address, phone number, email).
   • Employment Information: Employer’s name, address, phone number, and your job title/occupation.
   • Financial Information: Gross annual income, details of other income sources, and monthly housing costs (rent or mortgage). You might also need information about your assets and liabilities.
   • Identification: You may need a valid piece of identification, such as a driver’s license or permanent resident card.
4. Start the Online Application: Click on the “Apply Now” or similar button for the Bonus Visa card. You will be directed to a secure online application form.
5. Complete the Application Form: Fill out all sections of the application form accurately and completely. Double-check your information before submitting.
6. Consent to Credit Check: As part of the application process, you will need to consent to a credit check.
7. Submit the Application: Once you have completed the form and reviewed your information, submit the application.
8. Await a Decision: Desjardins will review your application and credit information. You will usually receive a decision within a few business days, though sometimes it can be quicker or take a bit longer. You may be notified instantly, by email, or by mail.
9. Receive Your Card (If Approved): If your application is approved, you will receive your Desjardins Bonus Visa card by mail, typically within 5-10 business days. Instructions for activating your card will be included.

Alternatively, you may also be able to apply:

• At a Caisse or Credit Union: Visit a local Desjardins caisse or credit union branch.
• By Phone: Contact Desjardins customer service for assistance with the application process over the phone.

Frequently Asked Questions (FAQ)

Here are some frequently asked questions about the Desjardins Bonus Visa card:

1. How do I earn BONUSDOLLARS? You earn BONUSDOLLARS® by making eligible purchases with your card. You can earn up to 2% in BONUSDOLLARS in specific categories like restaurants, entertainment, alternative transportation, and pre-authorized payments, and typically 0.5% on other eligible purchases.
2. What is one BONUSDOLLAR worth? Generally, one BONUSDOLLAR is equivalent to $1 CAD when redeemed for many options like travel or certain financial products. The value might vary for other redemption options like merchandise or some gift cards.
3. What can I redeem my BONUSDOLLARS for? You can redeem your BONUSDOLLARS for a variety of rewards, including travel, gift cards, merchandise, show tickets, donations, and certain Desjardins financial products and services.
4. Is there a minimum number of BONUSDOLLARS I need to redeem? Yes, a minimum of 20 BONUSDOLLARS is typically required to make a redemption.

CREDIT CARD

Desjardins Bonus Visa

No annual fee Purchases in rewards

APPLY NOW You will be redirected