Desjardins Cash Back World Elite Mastercard vs Desjardins Odyssey World Elite Mastercard
Two cards, one Standard Score rubric. The Desjardins Cash Back World Elite Mastercard scores higher overall at 6.4/10, but the right pick depends on which components match your spending.
The verdict
SituationalSame $80,000 personal or $150,000 household income bar, different payouts. The Cash Back World Elite pays cash: 4% on groceries against the Odyssey's 3% (both on the first $10,000 a year), 3% on entertainment and alternative transportation against 2%, and the same 3% on restaurants and 1% on everything else, for $100 a year instead of $130. The Odyssey World Elite pays BONUSDOLLARS, earns 2% on travel where the Cash Back card pays 1%, and adds 8 free passes a year to the Desjardins Odyssey Lounge at Montréal-Trudeau. Its included travel insurance also covers trips of up to 60 days (depending on your age), where the Cash Back card's stops at 3. If you take trips longer than 3 days, that cover can outweigh the Cash Back card's higher earn, because otherwise you'd pay for a separate travel policy. If you don't travel for more than 3 days at a time and rarely fly through Montréal, take the Cash Back World Elite.
See offer · current Desjardins Cash Back World Elite Mastercard offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Desjardins Cash Back World Elite Mastercard | Desjardins Odyssey World Elite Mastercard | |
|---|---|---|
| Standard Score | 6.4/10 · Situational | 5.3/10 · Pass |
| Annual fee | $100 ($30 per additional card) | $130 ($40 per additional cardholder. Corrected from a prior no-fee/Visa listing: this card is a $130 Mastercard, not a free Visa.) |
| Welcome bonus | None: Desjardins publishes no welcome offer on this card | No standing points welcome bonus confirmed: value comes from ongoing BONUSDOLLARS rates rather than a signup tranche |
| Est. bonus value | ≈ $0 | ≈ $0 |
| First-year net value | ≈ $320 | ≈ $260 |
| Earn rates |
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| Points currency | Cash back | Desjardins BONUSDOLLARS |
| No FX fees | No | No |
| Lounge access | No | Yes |
Where the Desjardins Cash Back World Elite Mastercard wins
- First-year value: scores 5.5/10 on this component
- Ongoing value: scores 7.0/10 on this component
- Flexibility: scores 7.0/10 on this component
- Low friction: scores 7.5/10 on this component
- Strategic fit: scores 6.5/10 on this component
Where the Desjardins Odyssey World Elite Mastercard wins
No component wins: its rival scores at least as well on every Standard Score component.
Read the full reviews: Desjardins Cash Back World Elite Mastercard and Desjardins Odyssey World Elite Mastercard, or see how both rank in Best Cash Back Credit Cards in Canada.