Desjardins VISA Modulo Gold Consumer Reviews

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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Lowest interest rate on the market
I chose it because it had the lowest interest rate on the market and the loyalty program suited my needs.
Scotiabank® Gold American Express® Card

Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
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I love that visa rewards. I get about $100 to $200.00 in gift card at the oldnavy/gap. This allows me to get my kids new clothes. I love that when i login my bank account i see my visa .
The visa modulo is ideal for me. A medium income family with no kids. The card offers travel insurance and a bonus dollars program which is fantastic when I needed new glasses as my eye site had changed.