CREDIT CARDS

More than just a payment method

Accepted almost everywhere, credit cards are a simple, quick and secure payment method. With a wide selection of cards giving access to rewards programs and competitive travel insurance benefits, there is something to suit every taste. Download the brochure or compare all the cards in a quick glance.

Friendly advice | By transferring all of your balances to your UNI credit card account, you can kill two birds with one stone: Pay off the balances on your higher-interest credit cards more quickly and simplify your payments by having just one payment a month. See the Frequently asked questions for more information.

Each card has its own features; below are the main ones. See our brochure for information about each card.

 

STUDENT CASH BACK

A look you can choose, plus cash back

  • No annual fee
  • Up to 1% cash back on your purchases
  • Purchase protection and Extended warranty
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Cash advances of up to $2,500 per day anywhere in the world
  • Three days of travel insurance at no charge
  • My look personalization service
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse or another family member
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

CASH BACK

Cash rewards and no fee

  • No annual fee
  • Up to 1% cash back on your purchases
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Cash advances of up to $2,500 per day anywhere in the world
  • Three days of travel insurance at no charge
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse or another family member
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

CLASSIC

Pay less for a low-rate card

  • Annual fee: $30
  • Reduced interest rate: 12.9%
  • Cash advances of up to $2,500 per day anywhere in the world
  • Three days of travel insurance at no charge
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse or another family member
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3

Insurances, Extended Warranty, Credit terms and conditions

 

ELEGANCE® GOLD

Get rewards for less

  • Annual fee: $30
  • BONUSDOLLARS® Rewards Program
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Three days of travel insurance at no charge
  • Purchase Protection for 90 days from the purchase date when you use your card to purchase eligible items
  • Extended Warranty for most goods purchased with your card
  • Cash advances of up to $2,500 per day anywhere in the world
  • Access to your account any time, anywhere, via AccèsD
  • Additional card at no charge for your spouse or another family member
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

MODULO®

The satisfaction of a low rate, the joy of rewarding yourself

  • Annual fee: $50
  • BONUSDOLLARS® Rewards Program
  • Interest rate: 10.9%
  • Mobile Device Insurance
  • Three days of travel insurance at no charge
  • Purchase Protection for 90 days from the purchase date when you use your card to purchase eligible items
  • Extended Warranty for most goods purchased with your card
  • Additional card at no charge for your spouse or another family member
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

CASH BACK WORLD

A world of cash back

  • Annual fee: $50
  • Up to 2% cash back on your purchases
  • Interest rate: 19.9%
  • Mobile Device Insurance
  • Three days of travel insurance at no charge
  • Purchase Protection for 90 days from the purchase date when you use your card to purchase eligible items
  • Extended Warranty for most goods purchased with your card
  • Cash advances of up to $2,500 per day anywhere in the world
  • Up to 15% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

ODYSSEY® GOLD

All-inclusive travel insurance

  • Annual fee: $110
  • Comprehensive travel insurance coverage up to $5,000,000
  • Travel Assistance Service available free, 24 hours a day, 7 days a week
  • Interest rate: 19.9%
  • BONUSDOLLARS® Rewards Program
  • Cash advances of up to $2,500 per day anywhere in the world
  • Mobile Device Insurance
  • Purchase Protection for 90 days from the purchase date when you use your card to purchase eligible items
  • Extended Warranty for most goods purchased with your card
  • Up to 25% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

ODYSSEY® WORLD ELITE®

Discover a world of privileges

  • Annual fee: $130
  • Interest rate: 19.9%
  • BONUSDOLLARS® Rewards Program
  • Comprehensive travel insurance coverage up to $5,000,000
  • Baggage Insurance up to $1,000 per person if baggage is stolen or damaged, and up to $500 if baggage is delayed
  • Trip Cancellation Insurance up to $2,500 per person
  • Concierge service
  • Priceless Cities (behind-the-scenes access, front row seats, private experiences and tickets to the most coveted events and sneak previews)
  • Up to 25% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3
 

ODYSSEY VISA INFINITE PRIVILEGE

Exclusive privileges just for you

  • Interest rate: 9.9%
  • Annuel fees:
    • $395 (non-members)
    • $295 (members)
  • Up to 25% rebate at Hertz1 locations
  • Up to 10% at Dollar2 et Thrifty2 locations
  • Up to 12% at WestJet3

Access your benefits

If you have your card, create your profile on the exclusive Visa Infinite Privilege* cardholder web portal to enrol and access a wide range of VIP benefits and experiences.

Create your profile
You'll be redirected to the Visa Infinite Privilege website.

A MULTITUDE OF REWARDS

BONUSDOLLARS rewards program

2% of your everyday purchases made with the card are credited as BONUSDOLLARS.

You can exchange your BONUSDOLLARS however you want, whenever you want, with no restrictions. Use them for trips, event tickets, gift rewards, financial products and services, donations, and account credits.

 
A WIDE RANGE OF COVERAGE

Insurance

Comprehensive travel insurance

Enjoy worry-free travels, whenever you want - you have some of the most comprehensive insurance on the market, including:

  • Emergency Health Care Coverage
  • Baggage Insurance
  • Trip Cancellation or Interruption Coverage
  • Common Carrier Accident Coverage
  • Travel insurance anytime, anywhere in the world

If your grandchildren are travelling with you, they'll be insured free-of-charge with your intergenerational coverage.

See the Travel Insurance guide. It contains all travel insurance conditions and exclusions. Carefully read the section on limitations for pre-existing medical conditions or injuries.


MOBILE DEVICE INSURANCE

You can be covered for up to $1,000 in case your cellphone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.

AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE

You are covered when you rent a car for up to 48 consecutive days, and charge the full cost of the rental to your card.

In case of accident, call us at:
Canada and the U.S.: 1-888-409-4442
Elsewhere in the world: 613-634-4993

How to make a claim?
You must submit your completed claim form along with supporting documents.

See the Certificate of Insurance

PURCHASE PROTECTION AND EXTENDED WARRANTY

Purchase protection is valid for 180 days from the date of purchase, up de $50,000 per account per year. Extended Warranty automatically triples the original manufacturer’s warranty for up to 2 addional years.

You must submit your completed claim form along with supporting documents.

You can now claim online and view the details of your Assurant insurance policy : https://desjardins.assurant.com/en/home

 
EXCLUSIVE PERKS AND BENEFITS

Access a wide range of Visa Infinite Privilege benefits and experiences1.

TRAVEL BENEFITS

  • Global Airport Lounge Access2. Recevie a complimentary Priority PassTM membership and 6 complimentary airport lounge entries per year.
  • Access dedicated security fast track lanes at select Canadian Airports.
  • VIP treatment for you and your vehicle. Receive airport parking benefits and discounts at select Canadian airports.

HOTEL BENEFITS

  • Book a stay through the Visa Infinite Luxury Hotel Collection3 and receive 7 exclusive benefits including an automatic room upgrade (when available), complimentary daily breakfast for 2 and a US$25 food and beverage credit.

FOOD AND WINE

  • Access the Visa Infinite Dining Series, a collection of exclusive gourmet events serving culinary explorations with prized chefs and awards winning wines selected by wine experts.
  • Plus, receive exclusive benefits through the Visa Infnite Wine Country Program a participating wineries in British Columbia and Ontario.
 

VISA Infinite Privilege concierge service

To help you get the most out of life, the Visa Infinite Privilege Concierge4 is available for you 24/7. Think of it like a personal assistant, whether you need to plan a trip or find tickets to an event.

 
 
* Trademark of Visa Int., used under license.

  1. You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege card to take advantage of the Visa Infinite Privilege benefits and services. For additional information on Visa Infinite Privilege benefits and services, please visit visainfinite.ca/privilege. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of or participation in any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers' terms and conditions, available through the Visa Infinite Privilege Concierge or online at visainfinite.ca/privilege/terms.jsp. The Visa Infinite Privilege privacy policy (available at visainfinite.ca/privilege/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders' personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties' own privacy policies.
  2. Global Airport Lounge Access - Priority PassTM. Cardholders must enrol for this benefit through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge. Six lounge visits are complimentary per membership year for the enrolled cardholder to use for themselves or for their guests. Membership includes access to any airport lounge participating in the Priority Pass lounge access program. To access a lounge, cardholder must show a valid Priority Pass membership card. All additional visits beyond the complimentary visits are subject to a fee of US$27 per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege card connected to cardholder's Priority Pass membership. To view a full list of participating airport lounges, their facilities, opening times and restrictions cardholders can visit visainfinite.ca/privilege. Enrolled cardholders are subject to Terms and Conditions for the global lounge membership program and the individual lounge operators' terms of use for the participating lounges visited, available at www.prioritypass.com. Terms and Conditions will be sent to cardholder upon enrolment. The Airport Lounge Access services are provided by Priority Pass and neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Airport Lounge services. Visa reserves the right to modify or cancel this offer at any time and without notice.
  3. Visa Infinite Luxury Hotel Collection. Cardholders must use their Visa Infinite Privilege card to reserve and pay for their stay at a Visa Infinite Luxury Hotel Collection property through the Visa Infinite Privilege Concierge Service or the exclusive Visa web portal to automatically enjoy the benefits. Visa reserves the right to modify or cancel this offer at any time and without notice. The Visa Infinite Luxury Hotel Collection benefits and services are provided by the individual hotels or their operators and suppliers; neither Visa nor the Issuer is responsible for any claims or damages arising from use of the Visa Infinite Luxury Hotel Collection. For full program terms and conditions please visit visainfinite.ca/privilege.
  4. Visa Infinite Privilege Concierge. The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfilment of cardholders' requests in all instances. There is no fee for the Concierge's services, however cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the cardholder and purchased by the Visa Infinite Privilege Concierge on the cardholder's behalf. All costs will be charged directly to the cardholder's Visa Infinite Privilege card.
 

VISA U.S.

Get the most out of your dollars

  • Annual fee: US$30
  • Interest rate: 19.4%
  • No conversion fees on transactions in U.S. dollars
  • Three days of travel insurance at no charge
  • Auto rental insurance at no charge

Manage your U.S. card account - Log on

Insurances, Extended Warranty, Credit terms and conditions

 

1Hertz is a registered trademark of 2018 Hertz System, Inc., used under licence. © 2018 Hertz System, Inc.

2Dollar and Thrifty are registered trademarks of DTG Operations, Inc., used under licence. © 2018 DTG Operations, Inc. Discount applies to base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Hertz Car Rental locations in Canada the USA, Europe, the Middle East and Africa (EMEA). Blackout periods may apply. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment. Discount applies to pay later "pay at counter" base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Thrifty locations in Canada and the USA. Blackout periods may apply. Offer is not valid in conjunction with Wild Card reservations. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. All car classes or particular models within a car class may not be available at each location. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment. Discount applies to pay later "pay at counter" base rate (time and mileage charges) only. Taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling are excluded. CDP ID # must be used at time of reservation. 24-hour advance reservation is required. This offer is redeemable at participating Dollar Car Rental locations in Canada and the USA. Blackout periods may apply. Offer is not valid in conjunction with Lock Low and Go reservations. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount. Vehicles are subject to availability at the time of reservation and pick-up, which may vary by time and location. Rate subject to increase or additional fees may apply in the event reservation is modified, early/late vehicle pick-up or return or if vehicle is not returned to the originating rental location. Car class exclusions apply. All car classes or particular models within a car class may not be available at each location. Offer has no cash value and may not be used with special rates such as Pre-Pay, Tour, Insurance Replacement or Hourly Rental Rates. Age, driver, credit and qualifying rate restrictions for the renting location apply. Discounts applied in local currency at time of payment.

3WestJet is a registered trademark of WestJet Airlines Ltd

*Annual fee and fixed annual interest rate are subject to change without prior notice.

®BONUSDOLLARS, Elegance, Modulo and Odyssey are registered trademarks of Fédération des caisses Desjardins du Québec

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