Travel Rewards
Balance Transfer
Odyssey® World Elite® Mastercard®
Desjardins Group
Secure RateBuddy connection · Application completed on Desjardins Group’s site
Annual Fee
$130
Purchase APR
20.90%
Cash Advance
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%
Dining
3%
Travel
2%
Base Rate
1%
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
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
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
Insurance Coverage
• Comprehensive Travel Medical (up to 60 days, includes grandchildren)
• Trip Cancellation & Baggage Coverage
• Auto Rental Collision and Loss Damage Insurance (up to 48 days)
• Mobile Device Insurance (up to $1,500)
• Purchase Protection (120 days)
• Extended Warranty (up to 2 additional years)
Rates, Fees & Eligibility
| Purchase APR | 20.90% |
|---|---|
| Cash Advance APR | 21.90% |
| Annual Fee | $130 |
| Supplementary Card Fee | $40 |
| Grace Period | 21 days |
| Income Required |
Personal: $80,000 Household: $150,000 |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Balance Transfer
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