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-
Premium Insurance
-
Accepted at Costco
-
Learn More
- 3% in BONUSDOLLARS on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
- 2% in BONUSDOLLARS on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1.5%)
- 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
- 1.5% in BONIDOLLARS on your other purchases
Annual Fee
- Primary card $130
- Additional card $0
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Groceries3Points
- Dining and Food delivery2Points
- Local Transport2Points
Value
- Year 1 $632
- Year 2+ $632
Best For
Transfer Partners
- Desjardins Bonusdollars
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"150","welcome_bonus":"No Welcome Offer","estimated_value":320,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":66,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"130","first_year_fee":false,"loyalty_slug":"bonusdollars-desjardins","card_slug":"desjardins-odyssey-world-elite-mastercard-card"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":748,"name":"Desjardins Bonusdollars","slug":"bonusdollars-desjardins","term_group":0,"term_taxonomy_id":748,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"1.5","rewards_restaurants":"2","rewards_travel":"1.5","rewards_recurring_payments":"1.5","rewards_allspending":"1.5","annual_credit":"","vip_salon":"320","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
Premium Insurance
-
Access to VIP Lounges
-
Learn More
- 4% in BONUSDOLLARS for purchases in the Restaurant, Entertainment, and Public Transit categories
- 3% in BONUSDOLLARS on purchases in the Travel category (up to $25,000 in purchases during the year – beyond that, the earning rate drops to 1.75%)
- 3% in BONUSDOLLARS for your purchases in the Grocery category
- 1.75% in BONIDOLLARS on your other purchases
Annual Fee
- Primary card $395
- Additional card $95
Annual Income Required
- Individual $150,000
- Household $200,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 11.9 %
- Cash Advance Rates 12.9 %
- Balance Transfer Rates —
Earning Rate
- Dining and Food delivery4Points
- Entertainment4Points
- Groceries3Points
Value
- Year 1 $549
- Year 2+ $549
Best For
Transfer Partners
- Desjardins Bonusdollars
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"25","welcome_bonus":"No Welcome Offer","estimated_value":400,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":66,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"},{"term_id":782,"name":"Travel","slug":"travel","term_group":0,"term_taxonomy_id":782,"taxonomy":"mc_best_for","description":"","parent":0,"count":39,"filter":"raw","term_order":"0"}],"annual_fee":"395","first_year_fee":false,"loyalty_slug":"bonusdollars-desjardins","card_slug":"desjardins-odyssey-visa-infinite-privilege-card"},"advantages":{"has_lounge_access":true,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":748,"name":"Desjardins Bonusdollars","slug":"bonusdollars-desjardins","term_group":0,"term_taxonomy_id":748,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},"rewards_groceries":"3","rewards_gas_stations":"1.75","rewards_restaurants":"4","rewards_travel":"3","rewards_recurring_payments":"1.75","rewards_allspending":"1.75","annual_credit":"","vip_salon":"400","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$95","mc_foreign_fee":"2.5%","mc_purchase_rates":"11.9%","mc_cash_advance_rates":"12.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
Accepted at Costco
-
-
Learn More
- 4% cash back on purchases in the Grocery category (up to $10,000 in purchases during the year – beyond that, the earning rate drops to 1%)
- 3% cash back on purchases in the Restaurant category (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
- 3% cash back on purchases in the Entertainment and Public Transit categories
- 1% cash back on your other purchases
Annual Fee
- Primary card $100
- Additional card $30
Annual Income Required
- Individual $80,000
- Household $150,000
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Groceries4%
- Dining and Food delivery3%
- Local Transport3%
Value
- Year 1 $322
- Year 2+ $322
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":785,"name":"Grocery stores","slug":"grocery","term_group":0,"term_taxonomy_id":785,"taxonomy":"mc_best_for","description":"","parent":0,"count":66,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"100","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"desjardins-cash-back-world-elite-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":60,"filter":"raw","term_order":"0"},"rewards_groceries":"4","rewards_gas_stations":"1","rewards_restaurants":"3","rewards_travel":"1","rewards_recurring_payments":"1","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$30","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
- 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
- 2% cash back on purchases in the Entertainment and Public Transit categories
- 0.5% cash back on your other purchases
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Dining and Food delivery2%
- Local Transport2%
- Entertainment2%
Value
- Year 1 $203
- Year 2+ $203
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":28,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"desjardins-cash-back-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":60,"filter":"raw","term_order":"0"},"rewards_groceries":"0.5","rewards_gas_stations":"0.5","rewards_restaurants":"2","rewards_travel":"0.5","rewards_recurring_payments":"2","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
-
No annual fee
-
Accepted at Costco
-
Learn More
- 2% cash back on purchases in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
- 2% cash back on purchases in the Entertainment and Public Transit categories
- 0.5% cash back on your other purchases
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Dining and Food delivery2%
- Local Transport2%
- Entertainment2%
Value
- Year 1 $203
- Year 2+ $203
Best For
Transfer Partners
- Cash back
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"0","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":28,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"cashback","card_slug":"desjardins-cash-back-mastercard"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":4250,"name":"Cash back","slug":"cashback","term_group":0,"term_taxonomy_id":4250,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":60,"filter":"raw","term_order":"0"},"rewards_groceries":"0.5","rewards_gas_stations":"0.5","rewards_restaurants":"2","rewards_travel":"0.5","rewards_recurring_payments":"2","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Learn More
- 2% in BONUSDOLLARS for eligible purchases made in the Restaurant and Pre-Authorized Payment categories (up to $3,600 in purchases during the year – beyond that, the earning rate drops to 0.5%)
- 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
- 0.5% in BONIDOLLARS on your other purchases
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Dining and Food delivery2Points
- Local Transport2Points
- Entertainment2Points
Value
- Year 1 $203
- Year 2+ $203
Best For
Transfer Partners
- Desjardins Bonusdollars
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"0","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":28,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":"bonusdollars-desjardins","card_slug":"desjardins-bonus-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":748,"name":"Desjardins Bonusdollars","slug":"bonusdollars-desjardins","term_group":0,"term_taxonomy_id":748,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},"rewards_groceries":"0.5","rewards_gas_stations":"0.5","rewards_restaurants":"2","rewards_travel":"0.5","rewards_recurring_payments":"2","rewards_allspending":"0.5","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Learn More
- 2% in BONUSDOLLARS on purchases in the Restaurant and Pre-Authorized Payment categories (up to $6,000 in purchases during the year – beyond that, the earning rate drops to 1%)
- 2% in BONUSDOLLARS for purchases in the Entertainment and Public Transit categories
- 1% in BONUSDOLLARS on your other purchases
Annual Fee
- Primary card $110
- Additional card $30
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 20.9 %
- Cash Advance Rates 21.9 %
- Balance Transfer Rates —
Earning Rate
- Dining and Food delivery2Points
- Local Transport2Points
- Entertainment2Points
Value
- Year 1 $185
- Year 2+ $185
Best For
Transfer Partners
- Desjardins Bonusdollars
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":791,"name":"Entertainment","slug":"entertainment","term_group":0,"term_taxonomy_id":791,"taxonomy":"mc_best_for","description":"","parent":0,"count":13,"filter":"raw","term_order":"0"},{"term_id":792,"name":"Recurring payments","slug":"recurring-payments","term_group":0,"term_taxonomy_id":792,"taxonomy":"mc_best_for","description":"","parent":0,"count":28,"filter":"raw","term_order":"0"},{"term_id":784,"name":"Dining","slug":"dining","term_group":0,"term_taxonomy_id":784,"taxonomy":"mc_best_for","description":"","parent":0,"count":34,"filter":"raw","term_order":"0"},{"term_id":783,"name":"Daily transit","slug":"transit","term_group":0,"term_taxonomy_id":783,"taxonomy":"mc_best_for","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"annual_fee":"110","first_year_fee":false,"loyalty_slug":"bonusdollars-desjardins","card_slug":"desjardins-odyssey-gold-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":694,"name":"Cash back","slug":"cash-back","term_group":0,"term_taxonomy_id":694,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":76,"filter":"raw","term_order":"0"}],"loyalty_program":{"term_id":748,"name":"Desjardins Bonusdollars","slug":"bonusdollars-desjardins","term_group":0,"term_taxonomy_id":748,"taxonomy":"mc_loyalty_program","description":"","parent":0,"count":8,"filter":"raw","term_order":"0"},"rewards_groceries":"1","rewards_gas_stations":"1","rewards_restaurants":"2","rewards_travel":"1","rewards_recurring_payments":"2","rewards_allspending":"1","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$30","mc_foreign_fee":"2.5%","mc_purchase_rates":"20.9%","mc_cash_advance_rates":"21.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":true,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":true,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
- No annual fee
- Low-interest
Annual Fee
- Primary card $0
- Additional card $0
Annual Income Required
- Individual $0
- Household $0
Conversion fees
- 2.5 %
Interest Rates
- Purchase Rates 10.9 %
- Cash Advance Rates 12.9 %
- Balance Transfer Rates —
Value
- Year 1 $0
- Year 2+ $0
Best For
Advantages
- Annual Credit
- VIP Lounges
- Concierge
- Wifi
- Travel credit
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
{"main":{"value":"","welcome_bonus":"No Welcome Offer","estimated_value":0,"mc_welcome_bonus_amount":"","minimum_spending":"","minimum_spending_timeframe_months":"","best_for":[{"term_id":38930,"name":"Low Interest","slug":"low-interest-rates","term_group":0,"term_taxonomy_id":38930,"taxonomy":"mc_best_for","description":"","parent":0,"count":14,"filter":"raw","term_order":"0"}],"annual_fee":"0.00","first_year_fee":false,"loyalty_slug":false,"card_slug":"desjardins-flexi-visa-card"},"advantages":{"has_lounge_access":false,"rewards_type":[{"term_id":46407,"name":"Low rate","slug":"low-interest","term_group":0,"term_taxonomy_id":46407,"taxonomy":"mc_rewards_type","description":"","parent":0,"count":16,"filter":"raw","term_order":"0"}],"loyalty_program":false,"rewards_groceries":"0.00","rewards_gas_stations":"0.00","rewards_restaurants":"0.00","rewards_travel":"0.00","rewards_recurring_payments":"0.00","rewards_allspending":"0.00","annual_credit":"","vip_salon":"","nexus_membership":"","travel_benefits":"","other_advantages":""},"fees":{"mc_first_add_card_fee":"$0","mc_foreign_fee":"2.5%","mc_purchase_rates":"10.9%","mc_cash_advance_rates":"12.9%","mc_balance_transfer_rates":"","mc_purchase_rate_qc":"","mc_cash_advance_rate_qc":"","mc_balance_transfer_rates_qc":""},"insurance":{"mc_common_travel_accident_insurance":false,"mc_trip_cancellation_insurance":true,"mc_trip_interruption_insurance":true,"mc_medical_travel_insurance":true,"mc_flight_delay_insurance":false,"mc_delayed_baggage_insurance":true,"mc_lost_baggage_insurance":true,"mc_auto_rental_loss":false,"mc_hotel_burglary_insurance":false,"mc_mobile_device_insurance":true,"mc_purchase_protection":true,"mc_extended_warranty":true}}
Credit card