Visa* Desjardins1 U.S. Card Credit Application


(Consumer Protection Act, section 119.1)

Credit Rate 19.40 % for regular purchases.
19.40 % for cash advances.
Grace period

21 days
If you pay the total balance on your account statement in this time, we will not charge interest fees on this amount. We calculate this grace period starting from the date the statement is issued.

Exception: No grace period for cash advances

We charge interest on cash advances starting on the transaction date. The following transactions are considered cash advances: withdrawals at ATMs and banks affiliated with the PLUS and Visa networks.

Annual fees Primary card: US$30
Additional card: No fee
Conversion fees on transactions in foreign currency

If transactions in a foreign currency are charged to your account other than US dollars, we will convert them into US dollars. The following fee will apply:

2.5 % of the transaction amount, after it has been converted into US dollars.

For example, if a Canadian dollar transaction is converted into US$100, you would be charged US$2.50.

We apply the exchange rate in effect on the transaction date.
This rate is set by the credit card payment network.


This table is in effect as of August 1, 2019. We may modify the conditions of your credit card. This table does not contain all of the information about your credit card. See your credit contract for more information.

If you would like to keep a copy of this information, you can download or print this text box.

Qualifying conditions: 

  1. Must have a permanent residence in Canada
  2. Must have a Desjardins credit card to obtain a Visa Desjardins U.S. card

Information marked with an * is required to submit.

Tell Us About Yourself

Employment Information
Tell Us About the Co-Applicant

Co-Applicant Identification
Employment Information
Note: By adding a co-applicant, each applicant will have the right to use the account to the extent of the credit limit on the account and will be liable for all credit extended under the account to any co-applicant.
Additional Information
Applicant Notes
Terms & Conditions
Please use the scroll bar on the right to view the entire Terms and Conditions. If you are unable to view the following Terms and Conditions, please click here. PrintTerms and Conditions


Declarations, liability and consent

Card application

Each of the applicants “you” certifies that the above information is true and accurate and requests that a Visa* card be issued and thereafter renewed or replaced at the discretion of the Fédération des caisses Desjardins du Québec (“Desjardins”). You understand and acknowledge that the initial credit limits will be determined by Desjardins and that you may request for your credit limits to be reviewed at any time.


If a Visa* card is issued, you undertake to use the card in accordance with the terms and conditions of the contract established by Desjardins and delivered with the card. You shall be jointly and severally liable (solidarily liable in Québec) for any debt incurred by the use of the cards issued on the primary cardholder’s account.  Any debt shall be indivisible and may be collected in its entirety from your heirs, legatees and assigns.

Authorization for collection and disclosure of information

You agree that Desjardins may obtain and update, from any personal information agent, financial institution, employer or credit card issuer (“Third Parties”), the information required to prove your solvency and to review your commitments to Desjardins within the context of your business dealings with it. You accept and understand that through this given authorization, Desjardins will be able to consult your credit reports obtained from information agents and that this consultation may affect your credit score. You authorize any Third Parties to disclose such information to Desjardins, even though said information may be found in an inactive or closed file. You agree that Desjardins may disclose to any personal information agent, financial institution or credit card issuer any financial commitments towards Desjardins arising from the use of the Desjardins credit cards. You understand that your personal information may be kept by Desjardins or its representatives outside Canada, and may be shared with authorities of the country where it is stored, in compliance with applicable laws.

Subject to approval by the Desjardins Credit Department.

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