Desjardins Odyssey® Gold Visa Card

Desjardins Odyssey® Gold Visa Card
Welcome Bonus
No Welcome Offer
Annual Fee
$110
  • Premium Insurance
Interest rates
Purchase Rates
19.9 %
Cash Advance Rates
19.9 %
Balance Transfer Rates

Offer

  • Get up to 2% BONUSDOLLARS on your purchases
  • Get 2% of your restaurant purchases
  • Get 2% of your entertainment purchases
  • Get 2% of your transit purchases
  • Get 2% of your purchases direct debited
  • Get 1% on all your other purchases

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $110
First Additional Card $30
Foreign Transaction Fee 2.5%
Purchase Rates 19.9%
Cash Advance Rates 19.9%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 2 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 2 Points
Travel 1 Point
Entertainment 2 Points
Recurring Payments 2 Points
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 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
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection

Alternative Cards

  • No minimum income required
  • Purchase Insurance
  • Accepted at Costco

Exclusive Offer: Earn up to 35,000 points and a first-year annual fee waiver for the primary cardholder.

  • Earn up to 2 points per dollar spent on certain purchase categories*.
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight and baggage delay insurance
  • Car rental insurance
  • Purchase insurance against theft or damage
  • Extended warranty
  • Mobile devices insurance against theft or damages for a period of up to 2 years
Legal

Duration of the promotion

From October 3, 2022 to January 13, 2023.

Participating partners

This promotion is valid only through strategic partners.

Card eligible for the promotion

National Bank Mastercard® Platinum® credit card.

Promotional advantages and terms and conditions of the promotion

To benefit from this promotion, sign up for the eligible credit cars no later than January 13, 2023. You must sign up via the hyperlink contained in one of the promotional emails sent by one of our participating partners, via one of the promotional banners on their websites, or via one of their webpages.

  • Save on annual fees the first year:

The primary cardholder will be refunded their annual card fee the first year. The refund will appear as a fee and a credit on their statement no later than 4 months after the account was opened.

  • Bonus Rewards points

You will earn reward points or a combination of points as follows:

    • Welcome points

You will earn 15,000 reward points if you charge a net purchase amount of $3,000 to the credit card within 3 months of opening your account.

Points are earned on net purchases for a period of 3 months from when the account was opened. Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

    • Points when you sign up for credit card payment insurance

You will earn 10,000 reward points if you sign up for credit card payment insurance for a minimum of 3 months. To obtain your reward points, complete the sections related to the Credit Card Payment Protection (CCPP) on the credit card application when you open your account.

Your reward points will be added to your credit card account in a single disbursement and appear on your statement no later than 5 months after the account was opened.

    • Points earned on the 1st anniversary of account opening date

You will earn 10,000 reward points if you charge a net purchase amount of $6,000 to the credit card no later than 12 months after the account was opened.

Points are earned on net purchases for a period of 12 months from when the account was opened. Your reward points will be added to your credit card account in a single disbursement and appear by the 2nd statement following your account anniversary date.

  • Reward points and refund conditions
    • Net purchases: The net purchase volume is the amount of purchases charged to the account minus returned items and refunds. Annual fees, balance transfers, cash advances (including transactions that can be directly converted to cash, such as money orders, bank transfers, travellers cheques and gaming transactions), interest charges and any other fees or adjustments not considered purchases are not included in the calculation of net purchases.
    • Account in good standing: The account must be open and in good standing at the time when annual fees are refunded or reward points are applied.
    • Reward limit: There is a limit of one cashback amount per category (welcome points, points for signing up for credit card payment insurance, and points earned on the 1st anniversary of the account opening date) per credit card account and per client during the promotion, regardless of the number of cards linked to the account.

Other conditions

  • The credit card is issued subject to credit approval by National Bank. Certain conditions apply.
  • You must not have a National Bank Mastercard credit card or have had one in the past 24 months.
  • The promotion may not be combined with another promotion applicable to National Bank credit cards, nor is it retroactive.
  • You must not be employed by us or by an entity in our group.
  • The promotion may be modified or withdrawn without notice.
  • Minimum purchase and insurance product required

*Grocery and Restaurant: The amount of points earned on grocery and restaurant purchases depends on the total gross monthly amount charged to the credit card account, regardless of the purchase category. Earn 2 points per dollar spent on eligible grocery and restaurant expenses. You will earn 2 points for every dollar in eligible grocery and restaurant purchases until a total of $1,000 in gross monthly purchases is charged to the account. After that, you will earn 1.5 points per dollar in eligible grocery and restaurant purchases. The total gross monthly amount is calculated based on your monthly billing period. Grocery purchases include any purchase made at a store that primarily sells food, i.e., grocery store, delicatessen, supermarket, greengrocer or specialty food store. Ready-to-eat meal services and meal delivery services are eligible. This definition excludes purchases made at retail stores and big box stores whose core business is the sale of non-food items. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points. Restaurant purchases include purchases at a restaurant, fast food restaurant, bar, nightclub or pub.

Gas and Electric Vehicle Charging: To earn 1.5 points per dollar in purchases, you will need to purchase gas or an electrical vehicle charge from a service station or from certain big box stores. Certain merchants may sell products and services that appear identical or similar to those sold by eligible merchants, or may be separate merchants located on the same premises as eligible merchants, but are classified in different categories by Mastercard. For purchases at other merchants, you will only earn regular rewards points.

Recurring Bill: Recurring bill payments are defined as monthly or regular payments automatically charged by a merchant to your National Bank Platinum Mastercard credit card. Not all merchants offer recurring bill payments, and not all recurring payments are considered recurring bill payments. Certain payments therefore may not entitle you to earn more points.

Travel À laCarte: To earn 1.5 points per dollar in purchases, you must make your eligible purchases via the À la carte TravelTM Agency section of our À la carte RewardsTM site.

Other purchasesFor example, if each month you charge $400 in groceries, $200 in gas, $100 in recurring bill payments and $150 in other purchases to your card, your $850 in purchases will earn you 1,350 points, as follows: 800 points for grocery purchases (since the total gross monthly amount is $850, i.e., under $1,000), 300 points for gas purchases, 150 points for recurring bill payments and 100 points for other purchases.

 

Annual Fee
  • Primary card $70
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Gas1.5Points
Value
  • Year 1 $664
  • Year 2+ $209
Best For
Transfer Partners
  • BNC Rewards

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
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
CIBC Dividend Platinum® Visa* Card
Up to $250 cash back
First year value : $812
Best of October 2022
  • 3% cash back on groceries and gas
  • Purchase Insurance

Get a first-year annual fee rebate for you and up to three Authorized Users† and 10% cash back for the first 4 statements on net purchases of up to $2,500.† After that, get 3% cash back on eligible gas and grocery purchases.†

  • 2% cash back on eligible transportation, dining purchases and recurring payments†
  • 1% cash back on all other purchases†
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Dividend Platinum® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Legal

†Conditions Apply

Annual Fee
  • Primary card $99
  • Additional card $0
Annual Income Required
  • Individual $15,000
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Dining and Food delivery2%
Value
  • Year 1 $812
  • Year 2+ $364
Best For
Transfer Partners
  • Cashback

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
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
RBC Avion Visa Infinite Card
Up to 55,000 Points
Ends Oct 31, 2022
First year value : $1,151
Best of October 2022
  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
  • Get up to 55,000 bonus points (a value of up to $1,100), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)
    • You’ll get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by October 31, 2022.
  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions. If there is a seat left on the chosen flight, you can fly, even in high season.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

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
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
2 Milesopedia Rating