Visa Low-Rate Gold

At 10.9%, the Low Rate Dominion Lending VISA Desjardins Modulo GOLD card offers our best credit card rate. It’s also one of the lowest credit card rates in the country.

  • Visa Low Rate
  • Visa Low-Rate Gold

    Interest rate: 10.9%
    Annual fees: $50
    Rewards program 1%
    3-Day Travel Insurance at no charge
    Mobile Device Insurance


BONUSDOLLARS Rewards Program

1% of purchases credited as BONUSDOLLARS

Additional card features

  • Free unlimited access to online VISA Desjardins account management
  • Supplementary cards: $10/year
  • $500 minimum credit limit
  • Credit balance insurance available upon request
  • Purchase protection and extended warranty
  • A second credit limit with Accord D Desjardins financing
  • No-fee travellers cheques
  • Up to 20% discount on Hertz car rentals
  • Daily cash advances of up to $5,000, anywhere in the world
  • ZERO liability in the event of fraud
  • No inactive card fees (if a card is unused for a while)
  • No invoice or account statement copy fees
  • Free access to the Travel Assistance Service
  • Annual Cash Back Credit program includes:
    • 1% of net purchases exceeding $20,000 will be credited to your VISA account on the account anniversary date for a max of $800 per year.
  • Complete extended travel insurance coverage includes:
    • Emergency Health Care Coverage - up to $5,000,000
    • Trip Cancellation Coverage - max $2,000/person before departure, unlimited after departure
    • Baggage Coverage - up to $1,000/person
  • No cash advance transaction fees up to $5,000 per day
  • No over limit fees

All rates and fees are effective May 1st, 2015 and are subject to change without notice.