credit-card
Desjardins Cash Back World Elite Visa · 1 % to 5 %
1% back All brands
How to use it
Quebec default card — Desjardins is the dominant network. 1% base on gas, 5% groceries & gas in select months. $130/yr fee.
This benefit can be factored into the best scenario if the brand and program conditions match.
Visit the official program ↗
✓ This card is already active in your profile
💸 Net return after annual fee
The advertised gross return (4%, 3%, etc.) does not include the annual fee. Here is the effective return at different mileages.
| Profile | Gross savings | Annual fee | Net | Effective rate |
|---|---|---|---|---|
| Light (8,000 km / 1,200 L) | $23 | −$130 | −$107 | -4.61% |
| Average (15,000 km / 1,750 L) | $34 | −$130 | −$96 | -2.85% |
| High (25,000 km / 2,800 L) | $54 | −$130 | −$76 | -1.41% |
🎯 Break-even point : $13000 gas spend per year (below that, the card costs more than it earns.)
⚠️ Annual cap: 25,000 $ in fuel spend (beyond that, 0% return).
Terms verified on 2026-05-23
Programs can change their terms. To compare all cards, return to the card matrix.