A compelling mid-premium travel card whose 60-day medical coverage and 3% grocery/dining earn make the $130 fee easy to justify for frequent travellers.
At a glance
Annual fee
$130
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
20.9%
Rewards & earn rates
Groceries3% in BONUSDOLLARS on the first $10,000 in annual grocery purchases, then 1%
3x
Restaurants3% on the first $6,000 in annual restaurant purchases, then 1%
3x
Entertainment
2x
Alternative transportation
2x
Travel2% on the first $20,000 in annual travel purchases, then 1%
2x
All other purchases
1x
Pros & cons
Pros
Standout 60-day comprehensive travel insurance
3% back on groceries and restaurants plus a solid 1% base rate
8 free Montreal-Trudeau lounge passes a year
Cons
BONUSDOLLARS locked to the Desjardins ecosystem
$80,000 personal income requirement
Lounge passes only useful for Montreal-based travellers
Perks & insurance
Key perks
Comprehensive travel insurance for trips up to 60 consecutive days
8 free Desjardins Odyssey Lounge passes per year at Montreal-Trudeau airport
Mastercard Travel Pass (DragonPass) lounge access at 1,300+ lounges (US$32 per visit)
Complimentary Flexiroam 3x1GB global eSIM data plan
Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
Insurance
Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
Trip cancellation ($2,500 before departure, unlimited after departure)
Baggage insurance up to $1,000 per person
Auto rental collision/loss damage (up to 48 days)
Mobile device insurance up to $1,500
Purchase protection (120 days) and extended warranty (+2 years)
Rates & fees
Annual fee
$130
Purchase interest
20.9%
Cash advance
21.9%
Foreign transactions
2.5%
Min. personal income
$80,000
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
