Card Details

Bank Name: DesJardins
Network Type: VISA
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (2.7)


Annual Fee: $30
Additional Card Fee: $0
Purchases Interest Rate: 19.9%
Cash Advance Interest Rate: 22.99%


  • You're a Canadian resident
  • You've reached the age of majority in your province or territory

Recommended Credit Score

Average to Excellent (670-900)

Visa Elegance Gold Review

Welcome Bonus:
Visa Elegance Gold snapshot

Desjardins Elegance Gold Visa review 

Card features you'll like the most Desjardins BONUSDOLLARS Rewards Program Turn your purchases into trips, gift rewards and more.

Travel Insurance For the first 3 days of your trips.

Purchase Protection and Extended Warranty For most goods purchased with your card.

Mobile Device Insurance Protect your cellphone, smartphone or tablet.
Visa Elegance Gold Rewards
Categories cash back earn rate
Visa Elegance Gold Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
Visa Elegance Gold User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 3 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

Visa Elegance Gold FAQs

Other Recommended Credit Cards


Travel Insurance 
Mobile insurance
Accord D financing

Editor`s Review:

This is a solid choice for any Canadian who wants to earn a good 1% back on any purchases and gain access to a wide range of perks and benefits. With a fee of $30 a year, you can use this card to enroll in the BONUSDOLLARS rewards program, so you can receive your bonus points for various rewards.


Just like with any other Desjardins card, with the Elegance Gold you are not liable if your card details are stolen and cybercriminals use your card. You can integrate this card with your mobile phone payment app and pay seamlessly with your phone.


With this card, you can receive up to $5,000 in advance from anywhere in the world. Additionally, you can get protection for your personal property or for gifts you purchase using this card. The upper limit you can get is $50k per account.


In terms of perks, Desjardins Elegance Gold Visa gives you up to $1,000 in smartphone/tablet insurance. If your device is stolen, malfunctions or is lost, you can get $1,000 back. On shorter trips, you also get 3 days' insurance, plus 24/7 travel support.


With this card, you can get into Desjardin's Accord D program. Order an additional card for free and let your spouse capitalize on the 1% cashback.

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Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.