3.2
/5
Desjardins
Desjardins Odyssey World Elite MastercardPoints Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fees
Main Card: $130
Additional Cards: $40
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
Card Type
Credit
Our Rating
3.2/5
Institution
Desjardins
How You Earn Rewards
- 3% in BONUS-DOLLARS on grocery purchases (up to $10,000 in spending per year)
- 3% in BONUS-DOLLARS on restaurant purchases (up to $6,000 in spending per year)
- 2% in BONUS-DOLLARS on travel purchases (up to $20,000 in spending per year)
- 2% in BONUS-DOLLARS on travel, entertainment, and public transit purchases
- 1% in BONUS-DOLLARS on all other purchases
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Extended Warranty
Purchase Protection
Mobile Device Insurance
Trip Cancellation
Trip Interruption
Travel Medical Insurance (64 & under)
Travel Medical Insurance (65 to 75)
Baggage Delay
Lost or Stolen Baggage
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Car Rental Damage & Theft
Benefits
Details
Airport Lounge - Desjardins Odyssey
Car Rental Discount
Car Rental Discount
Boingo Wi-Fi hotspot
Pros & Cons
Pros
- High earn rates
- Comprehensive coverage
- Airport lounge access
- World Elite perks
Cons
- Higher annual fee
- No welcome offer
- Limited branch access
- High income requirements