{"id":307077,"date":"2025-05-07T11:40:00","date_gmt":"2025-05-07T15:40:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=307077"},"modified":"2026-05-08T15:52:47","modified_gmt":"2026-05-08T15:52:47","slug":"compare-credit-cards-desjardins","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/compare-credit-cards-desjardins\/","title":{"rendered":"Comparison of Desjardins credit cards and alternatives"},"content":{"rendered":"\n<p>Recently, Desjardins announced changes to its products, including a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/desjardins-changes-bonusdollars\/\">devaluation of some of its credit cards<\/a>, specifically in BONUSDOLLARS earning and higher annual fees. This is therefore a good time to review your credit card choices to see which options are the most advantageous.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"319929\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tip-before-changing-your-desjardins-credit-card\">Tip before changing your Desjardins credit card<\/h2>\n\n\n\n\n\n<p>You have probably had your Desjardins credit card for a long time.<\/p>\n\n\n\n<p>15% of your credit score comes from your credit history in Canada across all your credit lines (credit cards, mortgage, line of credit, car loan, student loans, etc.).<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>To keep your history and avoid lowering your credit score, do not close your Desjardins credit card! Downgrade it to a basic version with no annual fee. Then you can get a more advantageous credit card from another financial institution.<\/p>\n\n\n\n<p>For example, I had a very old Desjardins Modulo Visa credit card and I &#8220;downgraded&#8221; to the Flexi Visa card. This did not affect my history, and it also allowed me to start earning more points elsewhere, with other cards!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-desjardins-cash-back-visa-boni-visa-and-cash-back-mastercard-credit-cards\">Desjardins Cash Back Visa, Boni Visa, and Cash Back Mastercard credit cards<\/h2>\n\n\n\n<p>The Visa and Mastercard <strong>Boni Visa, Cash Back Visa, and Cash Back Mastercard<\/strong> credit cards are almost identical.<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual fees<\/td><td class=\"has-text-align-center\" data-align=\"center\">Interest rate<\/td><td class=\"has-text-align-center\" data-align=\"center\">BONUSDOLLARS<\/td><td class=\"has-text-align-center\" data-align=\"center\">Rewards<\/td><\/tr><\/thead><tbody><tr><td>Boni Visa<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,9&nbsp;%<\/td><td class=\"has-text-align-center\" data-align=\"center\">Yes<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>Up to 2% in <strong>BONUSDOLLARS<\/strong> at restaurants, on entertainment, alternative transportation, and pre-authorized payments<\/p>\n\n\n\n<p>0.5% in <strong>BONUSDOLLARS<\/strong> on all other purchases<\/p>\n<\/td><\/tr><tr><td>\n<p>Cash Back Visa<\/p>\n\n\n\n<p>and<\/p>\n\n\n\n<p>Cash Back Mastercard<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">$0<\/td><td class=\"has-text-align-center\" data-align=\"center\">20,9&nbsp;%<\/td><td class=\"has-text-align-center\" data-align=\"center\">No (cash back)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>Up to 2% <strong>cash back<\/strong> at restaurants, on entertainment, alternative transportation, and pre-authorized payments<\/p>\n\n\n\n<p>0.5% <strong>cash back<\/strong> on all other purchases<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternative-to-desjardins-cash-back-visa-boni-visa-and-cash-back-mastercard-credit-cards\">Alternative to Desjardins Cash Back Visa, Boni Visa, and Cash Back Mastercard credit cards<\/h3>\n\n\n\n<p>To earn even more, have more flexibility, and choose your own <strong>2% cash-back category<\/strong> without paying an annual fee, consider the <a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a>.<\/p>\n\n\n\n<p>The good news is that this card has no maximum cash-back cap or restrictions, unlike Desjardins credit cards!<\/p>\n\n\n\n<p>In addition, the <a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a> has a welcome offer. This allows you to get a head start and earn much more cash back right from the start.<\/p>\n\n\n\n<p>For example, if you are planning renovations or a major furniture purchase next month, you only need to change the category in your Tangerine profile to get <strong>2% on those purchases<\/strong>.<\/p>\n\n\n\n<p>In other words, for a $1,000 purchase at a renovation and hardware store, the cash back with the Tangerine card would be<strong> $20<\/strong> (2% x $1,000). With the Cash Back Mastercard Card, for example, it would have been only <strong>$5<\/strong> (0.5% x $1,000).<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>It is <strong>not necessary<\/strong> to open a bank account at another financial institution in order to get a credit card there!<\/p>\n\n\n\n<p>From your bank account, you simply need to pay the card balance as if it were a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/pay-credit-accesd-desjardins\/\" target=\"_blank\" rel=\"noopener\">payee or bill<\/a>.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"192413\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cash-back-world-elite-mastercard-credit-card\">Cash Back World Elite Mastercard credit card<\/h2>\n\n\n\n<p>The <strong>Desjardins Cash Back World Elite Mastercard card<\/strong> is another cash-back card, and its annual fee is $100. It is <strong>not part<\/strong> of the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reward-program\/desjardins-bonusdollars\/\">BONUSDOLLARS program<\/a>.<\/p>\n\n\n\n<p>Here is the cash back it provides to the cardholder on everyday purchases:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Up to 4%<\/strong> on grocery purchases<\/li>\n\n\n\n<li><strong>Up to 3%<\/strong> on restaurant, entertainment, and alternative transportation purchases<\/li>\n\n\n\n<li><strong>1%<\/strong> on all other purchases<\/li>\n<\/ul><\/div>\n\n\n\n<p>The <strong>Desjardins Cash Back World Elite Mastercard card<\/strong> is the Desjardins credit card that offers the highest grocery cash back. The biggest drawback is that the rate drops to 1% after $10,000 in annual purchases (or if you have about $833 or more in grocery purchases per month, on average).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternatives-to-the-desjardins-cash-back-world-elite-mastercard-credit-card\">Alternatives to the Desjardins Cash Back World Elite Mastercard credit card<\/h3>\n\n\n\n<p>For a family with growing older children, or for people with a large <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/grocery-rewards-credit-card\/\" target=\"_blank\" rel=\"noopener\">grocery<\/a> budget, there are other credit cards on the market that offer up to 6% per dollar spent:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td class=\"has-text-align-center\" data-align=\"center\">Card<\/td><td class=\"has-text-align-center\" data-align=\"center\">Number of points per dollar spent on groceries<\/td><td class=\"has-text-align-center\" data-align=\"center\">Annual cost<\/td><td class=\"has-text-align-center\" data-align=\"center\">What to do with your points and other benefits<\/td><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><a target=\"_blank\" title=\"American Express Cobalt<sup>&reg;<\/sup> Card\" href=\"\/go\/amex-cobalt-card\/\" rel=\"noindex\">American Express Cobalt<sup>&reg;<\/sup> Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">5 Points-Privil\u00e8ges<\/td><td class=\"has-text-align-center\" data-align=\"center\">$12.99\/month (or $150\/year starting July 1, 2025)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>Like cash back<\/p>\n\n\n\n<p>Transfer them to Aeroplan, Flying Blue, Marriott Bonvoy, etc.<\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a target=\"_blank\" title=\"Scotiabank Gold American Express<sup>&reg;<\/sup> Card\" href=\"\/go\/scotiabank-gold-american-express-card\/\" rel=\"noindex\">Scotiabank Gold American Express<sup>&reg;<\/sup> Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>6 Scene+ points at IGA\/Les March\u00e9s Tradition, etc.)<\/p>\n\n\n\n<p>5 Scene+ points at all other grocery stores<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\">$120 or $0 the first year<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>No <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/forex\/\" target=\"_blank\" rel=\"noopener\">foreign exchange fees<\/a><\/p>\n\n\n\n<p>Pay for your IGA groceries with your Scene+ points<\/p>\n\n\n\n<p>Pay for your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/save-travel-sceneplus-points\/\" target=\"_blank\" rel=\"noopener\">travel with your Scene+ points<\/a><\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a target=\"_blank\" title=\"TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/td-first-class-travel-visa-infinite-card-qc\/\" rel=\"noindex\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">6 TD Rewards Points<\/td><td class=\"has-text-align-center\" data-align=\"center\">$139 or $0 the first year<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p>4 free lounge accesses at airports worldwide<\/p>\n\n\n\n<p>Annual <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-use-annual-travel-credit-td-first-class-visa-infinite\/\" target=\"_blank\" rel=\"noopener\">TD Travel Credit<\/a> of $100<\/p>\n\n\n\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/offers\/cards\/new-td-first-class-travel-offer\/\" target=\"_blank\" rel=\"noopener\">Use TD Rewards Points to cover your travel<\/a><\/p>\n<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><a target=\"_blank\" title=\"National Bank World Elite Mastercard\" href=\"\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">5 NBC Rewards points<\/td><td class=\"has-text-align-center\" data-align=\"center\">$150<\/td><td class=\"has-text-align-center\" data-align=\"center\">\n<p><a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$150 annual credit<\/a><\/p>\n\n\n\n<p>Use your NBC points to cover your travel<\/p>\n\n\n\n<p>Unlimited access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a><\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>In addition, most of these cards come with a welcome offer. This gives you a significant advantage in terms of rewards.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621,22640,401432,22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"130154,232179\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-odyssee-gold-visa-credit-card\">Odyss\u00e9e Gold Visa credit card<\/h2>\n\n\n\n<p>The <strong>Odyss\u00e9e Gold Visa Card<\/strong> with an annual fee of $110 offers:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Up to 2% in BONUSDOLLARS at restaurants (with an annual cap of $6,000), on entertainment, alternative transportation, pre-authorized payments (with an annual cap of $6,000), and Travel (new category as of June 29, 2025);<\/li>\n\n\n\n<li>0.65% in BONUSDOLLARS on all other purchases (as of June 29, 2025).<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternatives-to-the-desjardins-odyssee-gold-visa-credit-card\">Alternatives to the Desjardins Odyss\u00e9e Gold Visa credit card<\/h3>\n\n\n\n<p>The free <a target=\"_blank\" title=\"Tangerine Money-Back Credit Card\" href=\"\/go\/tangerine-money-back-credit-card\/\" rel=\"noindex\">Tangerine Money-Back Credit Card<\/a> analyzed above is still an excellent replacement option. It is a good card to use at <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/costco-tips-warehouse-savings\/\" target=\"_blank\" rel=\"noopener\">Costco<\/a> if you want a Mastercard.<\/p>\n\n\n\n<p>The <a title=\"Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/rogers-world-elite-mastercard\/\" rel=\"noindex\">Rogers Red World Elite<sup>&reg;<\/sup> Mastercard<sup>&reg;<\/sup><\/a> gives you the opportunity to earn 1.5% on everything! And if you have a service with Rogers, Fido, or Shaw, you earn 2% on all purchases charged to this card. In addition, it is free.<\/p>\n\n\n\n<p>Otherwise, here are other options that give you more than the Odyss\u00e9e Gold Visa card:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card\" href=\"\/go\/cibc-dividend-visa-infinite-card\/\" rel=\"noindex\">CIBC Dividend<sup>&reg;<\/sup> Visa Infinite* Card<\/a>\n\n<ul>\n\t<li>$0 annual fee the first year and $120 thereafter<\/li>\n\n\n\n<li>4% cash back on eligible gas, electric vehicle charging, and grocery purchases<\/li>\n\n\n\n<li>2% cash back on eligible transportation and dining purchases and on eligible recurring bill payments<\/li>\n\n\n\n<li>1% on other purchases<\/li>\n\n\n\n<li>Welcome bonus of up to $300 cash back<\/li>\n\n\n\n<li>12-month free trial of Skip+<\/li>\n\n\n\n<li>Save up to 10 cents per litre at Ultramar with Journie Rewards<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/li>\n<\/ul><\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><a target=\"_blank\" title=\"Scotia Momentum<sup>&reg;<\/sup> VISA Infinite+* Card\" href=\"\/go\/scotia-momentum-visa-infinite-card\/\" rel=\"noindex\">Scotia Momentum<sup>&reg;<\/sup> VISA Infinite+* Card<\/a>\n\n<ul>\n\t<li>One of the best cash-back credit cards in Canada<\/li>\n\n\n\n<li>$0 annual fee the first year and $120 thereafter<\/li>\n\n\n\n<li>4% cash back on groceries and recurring bill payments<\/li>\n\n\n\n<li>2% on gas and public transit<\/li>\n\n\n\n<li>1% on other purchases<\/li>\n\n\n\n<li>Welcome offer of up to $200 cash back<\/li>\n<\/ul><\/div>\n\n\n\n<p><\/li>\n<\/ul><\/p>\n\n\n\n<p>For example, with these first-year offers, you will have $0 in annual fees, up to $300 cash back, and more cash back on groceries, gas, and other purchases. It is worth switching!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637,22687,22695,22765\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternative-to-the-desjardins-odyssee-gold-visa-credit-card-for-travel\">Alternative to the Desjardins Odyss\u00e9e Gold Visa credit card for travel<\/h3>\n\n\n\n<p>The Desjardins Odyss\u00e9e Lounge is only available to travellers in the International Zone of Montr\u00e9al-Trudeau Airport. Other cards offer completely free entries, with more lounge options at airports worldwide.<\/p>\n\n\n\n<p>The <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite +* Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport\u2122 Visa Infinite +* Card<\/a> has an attractive welcome offer and more travel benefits:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Odyss\u00e9e Gold Visa Card<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Scotiabank Passport\u2122 Visa Infinite +* Card<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">\n<p><strong>2%<\/strong> in BONUSDOLLARS at restaurants, on entertainment, alternative transportation, and pre-authorized payments<\/p>\n\n\n\n<p><strong>0.65%<\/strong> in BONUSDOLLARS on all other purchases<\/p>\n\n\n\n<p><strong>50% off admission<\/strong> to the Desjardins Odyss\u00e9e Lounge<\/p>\n<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>3 points<\/strong> Scene+ (3%) at IGA, Rachelle B\u00e9ry, Les March\u00e9s Traditions, Sobeys, etc. grocery stores<br><strong>2 points<\/strong> Scene+ (2%) at other grocery stores, restaurants, entertainment, and public transit<br><strong>1 point<\/strong> Scene+ (1%) on all other purchases\n\n\n<p><strong>6 free entries<\/strong> at airports worldwide<\/p>\n\n\n\n<p>No <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/best-no-foreign-transaction-fees-cards\/\" target=\"_blank\" rel=\"noopener\">foreign exchange fees<\/a> abroad<\/p>\n\n\n\n<p>Pay for your groceries and travel with your Scene+ points<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='5'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"49443\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-odyssee-world-elite-mastercard-credit-card\">Odyss\u00e9e World Elite Mastercard credit card<\/h2>\n\n\n\n<p>For $130 per year, the Odyss\u00e9e World Elite Mastercard Card earns rewards according to the following structure:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>Up to 3%<\/strong> in BONUSDOLLARS on groceries (annual cap of $10,000) and, as of June 29, 2025, up to 3% at restaurants (annual cap of $6,000)<\/li>\n\n\n\n<li><strong>Up to 2%<\/strong> in BONUSDOLLARS on entertainment and alternative transportation<\/li>\n\n\n\n<li><strong>1%<\/strong> in BONUSDOLLARS on all other purchases (as of June 29, 2025)<\/li>\n<\/ul><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternative-to-the-desjardins-odyssee-world-elite-mastercard-credit-card\">Alternative to the Desjardins Odyss\u00e9e World Elite Mastercard credit card<\/h3>\n\n\n\n<p>The Odyss\u00e9e World Elite Mastercard Card has excellent travel insurance, including trip cancellation. However, it requires that the entire trip be paid with the card to benefit from it. Other credit cards are less demanding and offer additional travel perks:<\/p>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank World Elite Mastercard<\/a> is an excellent card that is promoted with a welcome offer a few times a year:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Unlimited access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> at Montr\u00e9al-Trudeau Airport (in the same area as the Desjardins Odyss\u00e9e Lounge)<\/li>\n\n\n\n<li>5 points per dollar at grocery stores and restaurants<\/li>\n\n\n\n<li>Annual <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$150 travel credit<\/a> to reimburse an invoice for airport parking, baggage fees, seat selection, airport lounge access, and flight upgrades<\/li>\n\n\n\n<li>Redeem your NBC Rewards points to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/invest-reward-points\/\" target=\"_blank\" rel=\"noopener\">invest<\/a> (RRSP or TFSA) or pay down your mortgage with NBC<\/li>\n\n\n\n<li>Use your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\" target=\"_blank\" rel=\"noopener\">NBC Rewards points to cover your travel<\/a><\/li>\n\n\n\n<li>Attractive travel insurance that applies even if the trip was only partially paid for with the card<\/li>\n\n\n\n<li>Triple the extended warranty on items paid for with the card<\/li>\n\n\n\n<li><\/li>\n<\/ul><\/div>\n\n\n\n<p>Read our <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/comparing-desjardins-national-bank-world-elite-mastercard-credit-cards\/\" target=\"_blank\" rel=\"noopener\">comparison of the Desjardins Odyss\u00e9e World Elite Mastercard and the National Bank World Elite Mastercard.<\/a><\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"185625\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22672,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-odyssee-visa-infinite-privilege\">Odyss\u00e9e Visa Infinite Privilege<\/h2>\n\n\n\n<p>The <strong>Odyss\u00e9e Visa Infinite Privilege Card<\/strong> is the best credit card at Desjardins.<\/p>\n\n\n\n<p>It has an interest rate of 11.9% and provides 12 free lounge accesses per year to the Desjardins Odyss\u00e9e Lounge. This card offers a full suite of travel insurance as well as several privileges.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li><strong>4%<\/strong> in BONUSDOLLARS at restaurants, on entertainment, and alternative transportation<\/li>\n\n\n\n<li><strong>3%<\/strong> in BONUSDOLLARS on groceries and travel expenses (annual purchase cap of $25,000)<\/li>\n\n\n\n<li><strong>1.5%<\/strong> in BONUSDOLLARS on all other purchases (as of June 29, 2025)<\/li>\n<\/ul><\/div>\n\n\n\n<p>However, it is one of the cards that is hit hardest by the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/news\/programs\/desjardins-changes-bonusdollars\/\" target=\"_blank\" rel=\"noopener\">Desjardins changes<\/a>, with a decrease from 1.75% to 1.5% in the &#8220;Other&#8221; category, as well as the introduction of a $95 annual fee for each additional card.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-alternative-to-the-desjardins-odyssee-visa-infinite-privilege-credit-card\">Alternative to the Desjardins Odyss\u00e9e Visa Infinite Privilege credit card<\/h3>\n\n\n\n<p>The <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank World Elite Mastercard<\/a> is an excellent card that is promoted with a welcome offer a few times a year:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Unlimited access to the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/airport-lounges\/national-bank-airport-lounge-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge<\/a> at Montr\u00e9al-Trudeau Airport (in the same area as the Desjardins Odyss\u00e9e Lounge)<\/li>\n\n\n\n<li>5 points per dollar at grocery stores and restaurants<\/li>\n\n\n\n<li>Annual <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">$150 travel credit<\/a> to reimburse an invoice for airport parking, baggage fees, seat selection, airport lounge access, and flight upgrades<\/li>\n\n\n\n<li>Redeem your NBC Rewards points to <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/invest-reward-points\/\" target=\"_blank\" rel=\"noopener\">invest<\/a> (RRSP or TFSA) or pay down your mortgage with NBC<\/li>\n\n\n\n<li>Use your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\" target=\"_blank\" rel=\"noopener\">NBC Rewards points to cover your travel<\/a><\/li>\n\n\n\n<li>Attractive travel insurance that applies even if the trip was only partially paid for with the card<\/li>\n\n\n\n<li>Triple the extended warranty on items paid for with the card<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>The main earning categories of <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/guide\/strategy\/minimum-age-teenager-additional-credit-card\/\" target=\"_blank\" rel=\"noopener\">Desjardins credit cards<\/a> cover spending on groceries, restaurants, entertainment, and alternative transportation. One of their major strengths is that they also include excellent travel insurance.<\/p>\n\n\n\n<p>Their only drawback is that they <strong>do not offer welcome offers<\/strong>. This is truly unfortunate. An equivalent card with a bonus points welcome offer increases in value more quickly than a Desjardins credit card.<\/p>\n\n\n\n<p>But whatever you choose, do not forget to <strong>always pay your balance in full<\/strong>! Otherwise, the savings from your cash back, points, or BONUSDOLLARS will disappear.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642,401432,22687\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_you_order_a_desjardins_visa_or_mastercard_credit_card_how_do_you_apply_for_a_desjardins_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do you order a Desjardins Visa or Mastercard credit card? How do you apply for a Desjardins credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Desjardins offers eight credit cards, depending on each person&#8217;s needs.<\/p>\n<p>Desjardins caisses offer 3 Mastercard credit cards and 5 Visa credit cards. You can compare them easily via this link to the <a href=\"https:\/\/protegezvous.milesopedia.com\/comparer\/cartes-de-credit\/?_card_issuer=desjardins\" target=\"_blank\" rel=\"noopener\">Prot\u00e9gez-Vous credit card comparison tool<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_you_activate_a_desjardins_visa_or_mastercard_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do you activate a Desjardins Visa or Mastercard credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>You have received your new Desjardins credit card in the mail! Congratulations! It will generally be received about 2 weeks after your application is approved.<\/p>\n\n\n\n<p>Before activating the card, take the time to <strong>read all the information<\/strong> that comes with it. This may include terms of use, security tips, and other important details.<\/p>\n\n\n\n<p>Call the activation number: You will usually find a phone number dedicated to activation in the cover letter or on the sticker on the card. Dial that number. For any other questions, contact Customer Service at 514 397-1580 or 1&nbsp;888 389-7823.<\/p>\n\n\n\n<p>Once you are on the line with the activation service, follow the voice instructions. You will probably need to provide personal information to confirm your identity, such as your card number, date of birth, or Social Insurance Number.<\/p>\n\n\n\n<p>Choose a PIN (Personal Identification Number): After confirming your information, you may be prompted to choose a PIN for your card, if you have not already done so. Be sure to choose a memorable and secure PIN.<\/p>\n\n\n\n<p>Once all steps are successfully completed, the system will confirm that your Desjardins credit card is activated and ready to use.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_you_increase_the_limit_on_a_desjardins_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do you increase the limit on a Desjardins credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>In <strong>Acc\u00e8sD<\/strong>, select your Desjardins credit card.<\/li>\n\n\n\n<li>Choose the <strong>Manage the card<\/strong> option<\/li>\n\n\n\n<li>Select the <strong>Manage the limit<\/strong> option<\/li>\n<\/ul><\/div>\n\n\n\n<p>Then, a response will be provided, and the credit limit will or will not be granted to the card account.<\/p>\n\n\n\n<p>If you have any questions, call Customer Service at 1-800-224-7737 (1-800-CAISSES).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_do_you_cancel_a_desjardins_credit_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow do you cancel a Desjardins credit card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Simply call Customer Service at 1-800-224-7737 (1-800-CAISSES).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"my_desjardins_credit_card_is_lost_what_should_i_do_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tMy Desjardins credit card is lost. What should I do?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>In <strong>Acc\u00e8sD<\/strong>, select your Desjardins credit card.<\/li>\n\n\n\n<li>Choose the <strong>Manage the card<\/strong> option<\/li>\n\n\n\n<li>Select the <strong>Report and replace a lost or stolen card<\/strong> option<\/li>\n<\/ul><\/div>\n\n\n\n<p>You will have two choices:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Suspend the card while you search every nook and cranny to find it<\/li>\n\n\n\n<li>Cancel and replace it (a new card will be sent within 5 to 10 business days)<\/li>\n<\/ul><\/div>\n\n\n\n<p>If you have any questions, call Customer Service at 1-800-224-7737 (1-800-CAISSES).<\/p>\n\n\n\n<p>Simply call Customer Service at 1-800-224-7737 (1-800-CAISSES).<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"where_can_i_find_the_travel_insurance_for_my_desjardins_odyss_e_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhere can I find the travel insurance for my Desjardins Odyss\u00e9e card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The <a href=\"https:\/\/www.desjardins.com\/content\/dam\/pdf\/fr\/particuliers\/cartes-credit\/certificat-assurance-complete-voyage-odyssee-or-world-elite.pdf\" target=\"_blank\" rel=\"noopener\">insurance policy is available at this link<\/a>. If you have any questions, do not hesitate to contact Customer Service at 1-800-465-7822.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"do_desjardins_credit_cards_charge_conversion_fees_on_foreign_currency_transactions_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDo Desjardins credit cards charge conversion fees on foreign currency transactions?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, all Desjardins credit cards charge a 2.5% fee on foreign currency transactions.<\/p>\n<p>To see the few credit cards in Canada that do not charge this, read our article on the <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/reviews\/credit-cards\/best-no-foreign-transaction-fees-cards\/\" target=\"_blank\" rel=\"noopener\">best credit cards with no foreign transaction fees<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_much_does_access_to_the_desjardins_odyss_e_lounge_cost_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow much does access to the Desjardins Odyss\u00e9e Lounge cost?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To <strong>enter the Desjardins Odyss\u00e9e Lounge, it costs<\/strong> about $42 plus taxes for an adult and $26 for a child aged 3 to 11.<\/p>\n\n\n\n<p>With the Odyss\u00e9e Gold Visa card, there is a 50% discount on the cost of admission.<\/p>\n\n\n\n<p>The Odyss\u00e9e World Elite Mastercard card provides 8 free lounge accesses per year. Whereas the Odyss\u00e9e Visa Infinite Privilege card provides 12 free lounge accesses per year to the Desjardins Odyss\u00e9e Lounge.<\/p>\n\n\n\n<p>Once you have used up these free lounge accesses, a 50% discount is offered on the regular admission rate.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n\n<!-- milesopedia-cashback-cta -->\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tFind your best cash back card\t\t\t<\/span>\n\t\t\t\t\n\n<p>Looking for the credit card with the highest cash back rate? Check <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/cash-back\/\">our top cash back card ranking in Canada<\/a>, updated monthly by the Milesopedia team.<\/p>\n\n\t<\/div>\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Disappointed by the recent negative changes to Desjardins credit cards? Discover other cards that offer benefits equal to or better than your current card, but at a lower cost.<\/p>","protected":false},"author":3,"featured_media":307421,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[4250,748,700,697,710],"class_list":["post-307077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-bmo-en","mc_issuer-cibc-en","mc_issuer-desjardins-en","mc_issuer-tangerine-en","mc_issuer-td-en","mc_loyalty_program-cashback","mc_loyalty_program-bonusdollars-desjardins","mc_loyalty_program-bnc-rewards","mc_loyalty_program-sceneplus","mc_loyalty_program-td-rewards","mc_market-all-of-canada","post_region-canada-en","travel_type-budget-travel"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Comparison of Desjardins credit cards and alternatives | Milesopedia<\/title>\n<meta name=\"description\" content=\"Disappointed by the recent changes to your Desjardins card? 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