Travel Rewards
Balance Transfer
Odyssey® World Elite® Mastercard®
Desjardins Group
Annual Fee
$130
Purchase APR
20.90%
Cash Adv. APR
21.90%
RateBuddy Verdict
The Good
- Industry-leading 60 days of comprehensive travel medical insurance, which even covers grandchildren.
- Fantastic lounge benefits: 8 free passes to the Desjardins Odyssey Lounge, plus a Mastercard Travel Pass membership.
- Strong 3% earn rate on groceries and dining, combined with a 1% base rate.
The Trade-offs
- Strict minimum income requirements ($80,000 personal or $150,000 household) to qualify.
- The 3% BONUSDOLLARS earning rate on groceries is capped at a low $10,000 annual spend.
- The 3% earning rate on dining is strictly capped at $6,000 annual spend.
Rewards & Earnings
Groceries 3.00%
Dining & Takeout 3.00%
Travel 2.00%
Base Rate 1.00%
Rewards Summary: • Up to 3% in BONUSDOLLARS on Groceries (capped at $10,000 annual spend)
• Up to 3% in BONUSDOLLARS on Restaurants (capped at $6,000 annual spend)
• Up to 2% on Travel (capped at $20,000 annual spend)
• 2% on Entertainment and Alternative transportation
• 1% on all other purchases
- Groceries: Up to 3% in BONUSDOLLARS (Subject to $10,000 annual cap, then drops to 1%)
- Restaurants: Up to 3% in BONUSDOLLARS (Subject to $6,000 annual cap, then drops to 1%)
- Travel: Up to 2% in BONUSDOLLARS (Subject to $20,000 annual cap, then drops to 1%)
- Entertainment: 2% in BONUSDOLLARS
- Alternative Transportation: 2% in BONUSDOLLARS
- Other Purchases: 1% in BONUSDOLLARS
Welcome Bonus Details
Features & Benefits
Travel Medical Insurance
Travel Medical (up to 60 days)
Introductory 0% APR on Balance Transfers
Airport Lounge Access (8 Odyssey Passes + DragonPass)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,500)
Car Rental Collision/Loss Damage Waiver
Car Rental CDW included (48 days)
Trip Cancellation/Interruption Insurance
Trip Cancellation included
Extended Warranty Insurance
Extended Warranty (Up to 2 extra years)
Purchase Security Insurance
Purchase Security (120 days)
Baggage Delay/Loss Insurance
Baggage Delay/Loss included
Additional Perks
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Insurance Coverage
Travel Medical
Up to $5 million per person for up to 60 consecutive days (depending on age). Includes complimentary intergenerational coverage for grandchildren.
Trip Cancellation
Up to $2,500/person before departure, and unlimited coverage after departure.
Auto Rental Collision
Covers up to 48 consecutive days in the event your rental car is damaged or stolen.
Baggage Coverage
Up to $1,000/person if baggage is lost/stolen, and up to $500 if delayed over 6 hours.
Mobile Device Insurance
Up to $1,500 to cover loss, theft, accidental damage, or mechanical failure.
Purchase Protection
Covers eligible items against loss or damage for 120 days from purchase.
Extended Warranty
Automatically doubles the manufacturer warranty for up to 2 additional years.
Rates & Fees Details
| Purchase APR | 20.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $130 |
| Supplementary Card | $40.00 |
| Income Required |
Personal: $80,000 Household: $150,000 |