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Desjardins Gold Modulo

Desjardins Gold Modulo

1% of your purchases in BONUSDOLLARS ® 

Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$50.00 10.90% 19.90% 19.90% Good -
  • Card Details Details
  • Best of Finance Winner

Card Details

With the Desjardins Modulo Gold Visa earn 1% of purchases credited as BonusDollars which are redeemable for travel, merchandise and Desjardins financial products. For an annual fee of $50 enjoy one of the lowest interest rates in Canada, 9.4% for purchases, cash advances and balance transfers. Take advantage of a special Payment Holiday feature that allows you to skip the minimum monthly payment twice a year.

Features and Benefits

  • Purchase protection and extended warranty
  • Rental vehicle insurance

RUNNER UP: The Best Low Interest Credit Card in Canada

Want to pay less in monthly interest charges? The Desjardins Gold Modulo offers the ultra-low APR of 10.90%. However, note the $50 annual fee, which can eat into interest savings.

Why It's Our Winner

*Interest savings were calculated based on the following:

  • Assuming the cardholder is carrying the average Canadian credit card balance of $2,627*
  • The cardholder is making the minimum payment + $10 monthly
  • Total Interest Paid compared to that of a credit card with a 19.99% APR over a 24-month period

Total Interest Paid on Balance: $489.13

Total Interest Saved: $245.18

See how the Desjardins Gold Modulo stacks up against the other top low interest credit cards in Canada:

This Card Is Great For You If:

  • You're prone to carrying a balance
  • You want to pay down your credit card debt
  • You don't mind not earning rewards


*SOURCE: Are Canadians in Debt Denial?>

Want to know how we did it?

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.