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Interest rate

Interest rate  10.9%1
Interest rate  19.9%
Interest rate  19.9%

Annual fee

Annual fee  None2
Annual fee  $1303
Annual fee  None3

Rewards program

Rewards program  Not offered
Rewards program 

Percentage of your purchases in BONUSDOLLARS4

  • Groceries: 3%
  • Restaurants: 2%
  • Entertainment: 2%
  • Alternative transportation: 2%
  • Other purchases: 1.5%
Rewards program  Not offered

Cash back

Cash back  Not offered
Cash back  Not offered
Cash back 

Percentage of cash back on your purchases5

  • Restaurants: 2%
  • Entertainment: 2%
  • Alternative transportation: 2%
  • Pre-authorized payments: 2%
  • Other purchases: 0.5%

Eligibility

Eligibility  N/A
Eligibility  Minimum annual income of $80,000 (personal) or $150,000 (household)6
Eligibility  N/A

Additional card

Additional card  No annual fee
Additional card  No annual fee for Desjardins members, $40 a year for non-members7
Additional card  No annual fee

Travel insurance

Travel insurance  For trips up to 3 days
Travel insurance  Comprehensive, up to 60 days
Travel insurance  For trips up to 3 days

Lounge access at Montréal-Trudeau Airport

Lounge access at Montréal-Trudeau Airport  Not offered
Lounge access at Montréal-Trudeau Airport  8 free passes a year to the Desjardins Odyssey Lounge (after that, 50% off the entrance fee)
Lounge access at Montréal-Trudeau Airport  Not offered

Travel perks

Travel perks  Not offered
Travel perks  Access to airport lounges, exclusive experiences around the world and cash back when you travel (World Elite Mastercard cards only)
Travel perks  Not offered

Car rental discounts

Car rental discounts  Up to 15% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts  Up to 25% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®
Car rental discounts  Up to 15% off your Hertz® car rental and up to 10% off at Thrifty® and Dollar®

Auto rental insurance

Auto rental insurance  Not offered
Auto rental insurance  Collision and loss damage insurance for 48 consecutive days
Auto rental insurance  Not offered

Mobile device insurance

Mobile device insurance  Up to $1,000 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance  Up to $1,500 of coverage in the event of loss, theft, damage or breakdown
Mobile device insurance  Up to $1,000 of coverage in the event of loss, theft, damage or breakdown

Purchase protection

Purchase protection  Covers eligible items in the event of loss or damage for 90 days from the purchase date
Purchase protection  Covers eligible items in the event of loss or damage for 120 days from the purchase date
Purchase protection  Covers eligible items in the event of loss or damage for 90 days from the purchase date

Extended warranty

Extended warranty  Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card
Extended warranty  Doubles the manufacturer's warranty for up to 2 additional years on most items bought with your card
Extended warranty  Doubles the manufacturer's warranty for up to 1 additional year on most items bought with your card

Cash advances

Cash advances  Up to $5,000 a day, within credit limit – your card's interest rate applies
Cash advances  Up to $5,000 a day, within credit limit – your card's interest rate applies
Cash advances  Up to $2,500 a day, within credit limit – your card's interest rate applies

Pay in installments

Pay in installments  Option to pay for purchases of $200 or more in equal, interest-free monthly installments8 at participating merchants
Pay in installments  Not offered
Pay in installments  Option to pay for purchases of $200 or more in equal, interest-free monthly installments8 at participating merchants

Grace period

Grace period  25 days to pay off your balance without incurring interest, except on cash advances
Grace period  21 days to pay off your balance without incurring interest, except on cash advances
Grace period  21 days to pay off your balance without incurring interest, except on cash advances
Hertz ® is a registered trademark of Hertz System, Inc., used under licence. © 2018 Hertz System, Inc. Dollar ® and Thrifty ® are registered trademarks of DTG Operations, Inc. Used under licence. © 2018 DTG Operations, Inc. * Trademark of Visa International Service Association and used under licence. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. Odyssey ® is a registered trademark of the Fédération des caisses Desjardins du Québec. If you don't pay the minimum payment by the due date, your annual interest rate will increase to 19.9% until we receive your payment. You have 25 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 19.9% and your average daily outstanding balance is $100, you'd be charged $1.64 in interest. If it's $500, you'd be charged $8.18 in interest, and if it's $1,000 you'd be charged $16.36 in interest. BONUSDOLLARS are calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn BONUSDOLLARS. Cash back is calculated as a percentage of the purchases made with the card. Merchandise returns, cash advances, equal payment cash advances, RRSP cash advances, promotional and regular cheques, in-store Accord D financing, interest charges, purchases of foreign currency, electronic funds transfers, money orders and any type of purchase made in a casino do not earn cash back. You're also eligible if the value of your assets under management is more than $400,000. Examples of assets to include: RRSPs, TFSAs, bank accounts, investments, cottages and rental properties. Examples of assets to exclude: cars, boats, artwork and primary residence.
Eligibility requirements: Must have an eligible account. The primary cardholder must be a member of a caisse affiliated with the Fédération des caisses Desjardins du Québec or the Caisse Desjardins Ontario Credit Union Inc. Non-members have to pay for additional cards: $30 for the Odyssey Gold Visa and Cash Back World Elite Mastercard, $40 for the Odyssey World Elite Mastercard and $95 for the Odyssey Visa Infinite Privilege.
Each installment is added to your minimum payment due and must be paid in full each month. If you don't make the minimum credit card payment, your card's interest rate will apply to the monthly payment.
You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances. The minimum payment is 5% of the following: your outstanding balance, interest on purchases and monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 10.9% and your average daily outstanding balance is $100, you'd be charged $0.90 in interest. If it's $500, you'd be charged $4.48 in interest, and if it's $1,000 you'd be charged $8.96 in interest.