Desjardins Odyssey® World Elite® Mastercard

Pros & Cons

Pros

+Up to 3x on Groceries
+Airport lounge access
+Purchase protection included

Cons

–High annual fee ($130/yr)
–Foreign Transaction Fee (2.5%)

Our Review

The Desjardins Odyssey World Elite Mastercard is a credit card that offers BONUSDOLLARS.

With this card, you can earn:

3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
1% in BONUSDOLLARS for your other purchases

In addition, this card offers several purchase insurances:

90 days purchase insurance
One year extended warranty
Mobile Device Insurance

As well as comprehensive travel insurance.

Rewards

All Spending

1x

Bonidollars Desjardins pts per dollar

Groceries

3x

Restaurants

3x

Entertainment

2x

Travel

2x

Transit

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries3x

$700/month

Gas & EV1x

$200/month

Transit2x

$100/month

Restaurants3x

$300/month

Pharmacy1x

$50/month

Travel2x

$150/month

Bills & recurring payments1x

$250/month

Telecom1x

$150/month

Entertainment & streaming2x

$100/month

Office supplies1x

$0/month

All other spending1x

$500/month

Points Earned

58,200

Bonidollars Desjardins/yr

Estimated Value

$582

After Fees

+$452

1st Year Value

$452

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 3x25,200 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 2x2,400 pts

Restaurants$3,600/yr × 3x10,800 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 2x3,600 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 2x2,400 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Monthly spend$2,500

Average earn rate on spend per year1.94x

Total points earned58,200 pts

Value of accumulated points≈ $582

Travel Insurance

✓

Travel Medical

Up to $5,000,000 / 60 days

✓

Trip Cancellation

Up to $2,500

✓

Trip Interruption

Included

✓

Delayed Baggage

Up to $500

✓

Lost Baggage

Up to $1,000

✓

Travel Accident

Up to $1,000,000

Purchase Protection

✓

Purchase Protection

Included

✓

Extended Warranty

+2 year(s)

✓

Mobile Device

Up to $1,500

✓

Auto Rental

Up to $85,000 / 48 days

Interest Rates

Purchase Rate
20.9%
Cash Advance
21.9%
Foreign Transaction Fee
2.5%

Perks & Benefits

★

Airport Lounge

0 visits/year

Eligibility

Personal Income

$80,000

Household Income

$150,000

Terms & Conditions

Card Features

3% in BONUSDOLLARS for your purchases in the Grocery category (up to $10,000 in annual purchases – beyond that, the earn rate decreases to 1%)
3% in BONUSDOLLARS for your purchases in the Restaurant category (up to $6,000 in annual purchases – beyond that, the earn rate decreases to 1%)
2% in BONUSDOLLARS for your purchases in the Entertainment, Travel, and Public Transportation categories
1% in BONUSDOLLARS for your other purchases

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