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.: (2.9)


Annual Fee: $50
Additional Card Fee: $10
Purchases Interest Rate: 10.9%
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 Modulo Gold Review

Welcome Bonus:
Visa Modulo Gold snapshot

Desjardins Modulo Visa Review

Low interest rate Enjoy a low fixed annual interest rate on all your purchases and cash advances.

Desjardins BONUSDOLLARS Rewards Program Turn your purchases into trips, gift rewards and more.

Travel Insurance:For the first 3 days of your trips. Mobile Device Insurance: Protect your cellphone, smartphone or tablet.
Visa Modulo Gold Rewards
Categories cash back earn rate
Visa Modulo 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 Modulo 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 Modulo Gold FAQs

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Better security through chip technology 21-day grace period to pay your bill without incurring credit charges No transaction fees Visa payWave contactless technology Verified by Visa

Travel Insurance:For the first 3 days of your trips.

Mobile Device Insurance: Protect your cellphone, smartphone or tablet.

Editor`s Review:

Modulo is a Desjardins card that caters to Canadians who want to consolidate their debt and enjoy a very good interest rate. With an interest rate of just 10.99% and 1% cashback, this card could give you the best of both worlds: low-interest rate and great rewards.


The only requirement is the annual fee of $50, which is quite symbolic. It's not an exorbitant amount, especially if you're using the card on a regular basis. You can quickly recoup the $50 yearly fee by paying less on the interest rate for balance transfers, purchases and cash advances.


With the Desjardins Modulo Visa, you receive mobile device insurance, travel insurance, purchase protection for 90 days and extended warranty for 1 year. It's important to know that this card only offers travel insurance for the first 3 days. During this time, you get complete travel assistance, including urgent cash advances, concierge, lost documents & luggage.


This card is perfect for Canadians who want to consolidate their debt, escape the regular high-interest rates and need to benefit from the standard 1% cashback on purchases.

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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.