Desjardins Odyssey World Elite Mastercard
3.5/5
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
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Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$331.19
$331.19 in years after
Annual Rewards
$461.19
Desjardins BONUSDOLLARS® Rewards
First Year Bonus
$0
Desjardins BONUSDOLLARS® Rewards
Annual Fee
$130
First Year Value
$331.19
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Balance Transfer: 21.90%
Annual Fee
$130
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Category: Points
Loyalty Program: Desjardins BONUSDOLLARS® Rewards
Our Rating
3.5/5
Institution
Desjardins
Rewards
- 3% cash back on grocery purchases
- 2% cash back on restaurant, entertainment, and public transit
- 1.5% cash back on all other purchases
Desjardins Odyssey World Elite Mastercard Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Groceries
131 points
Entertainment, Food and drinks, Public Transportation, Rental Car & Taxi
141 points
All other purchases
188 points
Annual Fee
- $130
Net Annual Rewards
461 points
Valued at $331.19 (after fees)
Rewards Summary
Net Annual Rewards
461 points
Valued at $331.19 (after fees)
First Year Card Bonus
0 points
First Year Card Value
461 points
Valued at $331.19
Point Redemptions
Redemptions Chart
Travel including public Transportation
$331.19
Entertainment and Experiences
$331.19
Financial products
$331.19
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,500
Trip Cancellation
$500
Trip Interruption
no limits
Emergency Out of province Medical
60 daysEmergency Medical Over 65
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Airport Lounge - Desjardins Odyssey
8 free passes per year
Car Rental Discount
25% off base rate off Hertz car rentalCar Rental Discount
10% off base rate off Thrifty or Dollar rental
Boingo Wi-Fi hotspot
over 1 million Boingo Wifi hotspots worldwide
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.