Travel Rewards
Low Interest
Balance Transfer
Odyssey® Visa Infinite Privilege*
Desjardins Group
Annual Fee
$295
Purchase APR
11.90%
Cash Adv. APR
12.90%
RateBuddy Verdict
The Good
- Stellar 4% return on dining, entertainment, and transit, plus 3% on groceries.
- Offers an exceptionally low 11.9% standard purchase interest rate, virtually unheard of for an ultra-premium rewards card.
- Elite perks including 24/7 concierge service, luxury hotel benefits, and 12 complimentary lounge passes.
The Trade-offs
- Requires a very high minimum income of $150,000 (personal) or $200,000 (household) to apply.
- The annual fee is steep, particularly if you are not an existing Desjardins member ($395 vs. $295).
Rewards & Earnings
Groceries 3.00%
Dining & Takeout 4.00%
Travel 3.00%
Base Rate 1.50%
Rewards Summary: • 4% in BONUSDOLLARS on Restaurants, Entertainment, and Alternative transportation
• 3% in BONUSDOLLARS on Groceries
• Up to 3% on Travel (capped at $25,000 annual spend)
• 1.5% on all other purchases
- Restaurants: 4% in BONUSDOLLARS
- Entertainment: 4% in BONUSDOLLARS
- Alternative Transportation: 4% in BONUSDOLLARS
- Groceries: 3% in BONUSDOLLARS
- Travel: Up to 3% in BONUSDOLLARS (Subject to $25,000 annual cap, then drops to 1.5%)
- Other Purchases: 1.5% 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 (12 Odyssey Passes + Visa Airport Companion)
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 (Triples up to 2 extra years)
Purchase Security Insurance
Purchase Security (180 days)
Low Purchase Interest
Low Purchase Interest (11.9%)
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 $2,500/person if baggage is lost/stolen, and up to $1,000 if delayed over 4 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 180 days from purchase.
Extended Warranty
Automatically triples the manufacturer warranty for up to 2 additional years.
Rates & Fees Details
| Purchase APR | 11.90% |
|---|---|
| Cash Advance APR | 12.90% |
| Annual Fee | $295 |
| Supplementary Card | $95.00 |
| Income Required |
Personal: $150,000 Household: $200,000 |