Travel Rewards
Rewards
Odyssey® Gold Visa*
Desjardins Group
Annual Fee
$110
Purchase APR
20.90%
Cash Adv. APR
21.90%
RateBuddy Verdict
The Good
- Industry-leading 60 days of comprehensive travel medical insurance, plus coverage for grandchildren.
- Includes robust travel coverages like Auto Rental Collision and Trip Cancellation for a reasonable $110 fee.
- Offers 50% off lounge access at Montréal-Trudeau International Airport.
The Trade-offs
- The 2% BONUSDOLLARS earning rate on dining and recurring bills is capped at a very low $6,000 combined annual spend.
- The base earning rate on non-category purchases is uncompetitive at 0.65%.
- Lounge access benefit is restricted to a single airport (Montréal-Trudeau).
Rewards & Earnings
Dining & Takeout 2.00%
Travel 2.00%
Base Rate 0.65%
Rewards Summary: • 2% in BONUSDOLLARS on Entertainment and Alternative transportation
• Up to 2% on Restaurants & Pre-authorized payments (capped at $6,000 annual spend)
• Up to 2% on Travel (capped at $15,000 annual spend)
• 0.65% on all other purchases
- Entertainment: 2% in BONUSDOLLARS
- Alternative Transportation: 2% in BONUSDOLLARS
- Restaurants: Up to 2% in BONUSDOLLARS (Subject to combined $6,000 annual cap with Pre-authorized payments, then drops to 0.65%)
- Pre-authorized Payments: Up to 2% in BONUSDOLLARS (Subject to combined $6,000 annual cap with Restaurants, then drops to 0.65%)
- Travel: Up to 2% in BONUSDOLLARS (Subject to $15,000 annual cap, then drops to 0.65%)
- Other Purchases: 0.65% 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 (Odyssey Lounge 50% off)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,000)
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 1 extra year)
Purchase Security Insurance
Purchase Security (90 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 $1,000 to cover loss, theft, accidental damage, or mechanical failure.
Purchase Protection
Covers eligible items against loss or damage for 90 days from purchase.
Extended Warranty
Automatically doubles the manufacturer warranty for up to 1 additional year.
Rates & Fees Details
| Purchase APR | 20.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $110 |
| Supplementary Card | $30.00 |
| Income Required | No specific requirement listed. |