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Desjardins Odyssey Visa: Game-Changing Travel Rewards Review
The Bottom Line
The Desjardins Odyssey World Elite Mastercard is a strong contender in the World Elite category, offering impressive rewards of up to 3% cash back on groceries and 2% on other popular categories. With a comprehensive insurance package, including coverage for seniors, and perks like free lounge access in Montreal, this card is great for frequent travelers and high spenders. However, the lack of a welcome bonus and high income requirements might deter some users.
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Welcome Bonus
N/A
Rewards Rate
1.75% - 4%
Points
Annual Fee
$395
Interest Rates
11.90% - 19.90% / 12.90%
Rewards
- 4% in BONUS-DOLLARS on restaurant, entertainment and transit purchases
- 3% in BONUS-DOLLARS on travel related purchases (up to $25,000 spending per year)
- 3% in BONUS-DOLLARS on travel and grocery purchases
- 1.75% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
2 years
Purchase Protection
180 days
Mobile Device Insurance
$1,000
Trip Cancellation
$2,500
Trip Interruption
no limits
Emergency Medical Term
60 daysEmergency Medical (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$2,500.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Priority Pass
6 free passes per yearAirport Lounge - Desjardins Odyssey
12 free passes per year
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young drivers or additional driver surcharge.svg)
Concierge Services
Visa Infinite concierge services
Visa Infinite Exclusive Benefits
Luxury hotels or travel options
Eligibility
Credit Score
Very GoodAnnual Income
$150,000 personal or $200,000 household
Card Details
Interest Rates
Purchase APR
11.90% - 19.90%
Cash Advance APR
12.90%
Balance Transfer APR
12.90%
Fees
Annual Fee
$395
Additional Cards
95
Eligibility
Minimum Individual Income
$150,000
Minimum Household Income
$200,000
Credit Score Estimate
Very Good
Type
Pros & Cons
Pros
- High Earn Rates: Earn up to 3% cash back on groceries, 2% on restaurants, entertainment, and public transportation, and 1.5% on all other purchases.
- Comprehensive Insurance: Includes 9 types of travel insurance, with coverage extending to those over 65.
- Free Lounge Access: Enjoy 8 free passes to the Desjardins Odyssey Lounge in Montreal.
- World Elite Perks: Includes additional perks like Boingo Wi-Fi, Mastercard Travel Rewards, and more.
Cons
- No Welcome Bonus: Unlike many premium cards, this one lacks a welcome bonus, reducing its initial appeal.
- High Income Requirements: Requires a minimum personal income of $80,000 or household income of $150,000.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario.
Desjardins Odyssey Visa: Game-Changing Travel Rewards
2.9
FinlyWealth Rating
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