Just continuing with my recent exhaustive research on credit card companies in Canada.

Review: Desjardins' Visa Credit Card

Really, their cards are nothing special. If you want rewards, I'd rather recommend the Citi Enrich for hassle-free rewards, or just a regular 0.5%/1% tiered rewards cards, like the TD Cash Back Visa.

Here's the feature that sets apart the Desjardin credit cards:

3-Day Travel Health Insurance on No Annual Fee Visa

Just by having the card, you get emergency healthcare, baggage, accident and trip cancellation insurance for trips of 3 days or less outside of Canada. Even your spouse and children are covered!

This card is PERFECT for anyone that goes to the US on a weekend or trips like that. I still have trip health insurance through other means at the moment, so I have yet to apply for the card, but if I ever lose that, I just might sign up.

For no annual fee, this is a great 2nd or 3rd card to have.

Remember, you can always call your credit card company and have them LOWER your credit limits if you feel like you have too much. The number of credit cards you have is irrelevant, it's the amount of credit available that matters.

Be sure to read through their entire travel insurance policy here . Stuff might change at any time, and my info could be wrong. Don't depend on me, just use this as a guide.

Another Desjardins Game Changer: Currency Exchange Conversion Fee

Desjardins' currency conversion fee is the lowest in Canada, at 1.8%. Most other Canadian credit cards charge about 2.5%, but this difference can be more than made up with Canada's top Cash Cack credit card.

Desjardins Visa Application Information

Apply for their Classic Card Here. As well, you do NOT need to be a member of their credit union to apply, just to clarify.