Desjardins VISA Modulo Gold

Annual Fee $50 Additional Cards Fee $10 Annual interest rate 9.9% Cash Advances 9.9% General Cash Back Percentage 1%	Travel Medical Insurance yes Travel Accident Insurance yes Trip Cancellation Insurance yes Vehicle Rental Insurance yes Extended Warranty (1 Year) yes Purchase Protection (90 days) yes

• Those who carry a balance and would like to save by using this low-interest card
• Those who would like to collect BONUSDOLLARS (1% of your purchases), where 1 BONUSDOLLAR = $1
• Those who would benefit from a 20% discount on Hertz worldwide

This card is mainly beneficial for those who carry a balance on their card. Most credit cards would charge between 19% to 22% in interest if you carry a balance. For $50 a month, this card could potentially save you money on your interest, as it charges the card owner only 9.9%, which is a significantly lower rate than what is charged on other Canadian credit cards. Use Wallet Savvy’s interest rate calculator to check how much you can save in case you carry a balance.

In addition to low interest rates, this card also provides basic travel and accident insurance (for short trips), as well as purchase insurance in case of loss, theft, damage from fire for most goods purchased with this card.