Visa Elegance Gold Review
Recommended Credit Score:
670 900
Average to Excellent
Welcome Bonus Value
Annual Fee
Purchase Interest Rate
Min Personal Required
Visa Elegance Gold
My Rate Compass Rating: star star star_half star_outline star_outline (2.7)
Bank Name:DesJardins
Network Type:VISA
Card Details

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.
  • Priority airport services No
  • Airport lounge access No
  • Concierge service No
  • Balance protection(Optional) No
  • Purchase Security & Extended Protection Insurance Yes
  • Flight delay insurance,Baggage Insurance No
  • Vehicle rental insurance No
  • Travel accident insurance No
  • Travel medical insurance Yes
Fees and Eligibility
  • 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:
670 900
Average to Excellent
Our Rating
My Rate Compass Rating: star star star_half star_outline star_outline (2.7)
Rating Methodology: 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. Credit card rating methodology
Editorial Guidelines: Learn more about our editorial guidelines here.
Pros and Cons

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.