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Cash Back World Elite Mastercard — Desjardins

Desjardins Mastercard

Mastercard Cash back

Futello catalogue profile

Cash Back World Elite Mastercard

Relevant if: you can benefit from its documented earning categories.

Less suitable if: you do not recover at least $100 in value to offset the annual fee.

Annual fee: $100
Reward type: Cash back
Welcome offer: No confirmed offer
First-year estimate (without the offer): $687.50

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$687.50

Annual fee thereafter: $100
First-year fee: To be confirmed — recurring fee of $100

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $687.50
Recurring annual fee already deducted: $100
Welcome-offer value earned during the first 12 months: No confirmed offer included
First-year fee: To be confirmed — recurring fee of $100

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

No confirmed welcome offer is included in this estimate: it only covers the card’s recurring value minus the first-year fee.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

No confirmed welcome offer

No welcome offer is confirmed for this card; Futello does not invent history.

Email me if this offer changes

Earning

Rewards

Category	Reward	Conditions
Transit, taxis and ridesharing and Entertainment	3%	Cap not documented · 1% after the cap
Other purchases	1%	Cap not documented
Groceries	4%	$10,000 cap / year · 1% after the cap
Restaurants	3%	$6,000 cap / year · 1% after the cap

Fees and eligibility

Annual fee thereafter: $100
Additional card: $30
Published minimum income: $80,000 personal or $150,000 household
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Mastercard Travel Pass membership by DragonPassConfirmed

Insurance

Rental car collision and loss damage insurance Not documented

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source
Mobile device insurance Not documented

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source

Published combinations

Role in a strategy

Comparable alternatives

Published values use the same scenario within each use; groups do not form one overall ranking.

Best for groceries

American Express Cobalt CardAmerican Express Canada · American Express

Annual fees: $191.88
Annual net value: $333.12

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SimplyCash Preferred Card from American ExpressAmerican Express Canada · American Express

Annual fees: $119
Annual net value: $301

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Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source