✅ No annual fee, making it accessible for long term use
✅ Up to 2% cash back on eligible purchases
✅ Automatic cash back credits starting at $25
✅ Travel insurance coverage for trips up to 3 days
✅ Mobile device insurance and purchase protection
Why does Utua recommend the Desjardins Cash Back Mastercard?
Utua recommends the Desjardins Cash Back Mastercard because it combines simplicity, reliability, and tangible financial returns. With no annual fee and competitive cash back rates in everyday categories, this card fits well into a balanced personal finance strategy.
Desjardins is one of the most established financial cooperatives in Canada, particularly strong in Quebec, known for responsible lending, transparency, and long term member value. This institutional stability adds confidence for cardholders seeking predictable benefits without unnecessary costs.
Writer’s opinion
From a practical standpoint, the Desjardins Cash Back Mastercard stands out as a solid option for consumers who value consistency over complex reward systems. The cash back structure is easy to understand, with higher returns on common spending categories such as restaurants, entertainment, and transportation.
The interest rates remain within the standard Canadian market range, while the absence of an annual fee improves cost efficiency. When used responsibly, especially with full balance payments during the 21 day grace period, this card becomes a reliable financial tool rather than a source of long term debt.
In addition, the included insurance protections, particularly mobile device coverage and purchase protection, enhance the overall value proposition, reinforcing the card’s position as a well rounded everyday credit solution.
Turn everyday purchases into cash back!
If you want a credit card that rewards your routine expenses while keeping costs under control, the Desjardins Cash Back Mastercard is worth considering. Click the button below to learn how to apply and start earning cash back on your purchases today.
