Visa Low-Rate Gold

At 9.9%, 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.


  • Interest rate: 9.9%
  • Annual fees: $50
  • Rewards program 1%
  • 3-Day Travel Insurance at no charge

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
  • $5,000 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
  • 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
    • Auto Rental Collision/Loss Damage Insurance – max 48 days
    • Common Carrier Travel Accident Coverage – up to $125,000

All rates and fees are effective August 1, 2012, and are subject to change without notice.