Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the Desjardins Odyssey World Elite Mastercard would earn $0 in rewards over the year and with the RBC Cash Back Mastercard you would earn $0 in rewards.
When you spend using the Desjardins Odyssey World Elite Mastercard you will earn points called .
When you spend using the RBC Cash Back Mastercard you will earn points called .
We can also compare the Desjardins Odyssey World Elite Mastercard vs RBC Cash Back Mastercard based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the Desjardins Odyssey World Elite Mastercard vs RBC Cash Back Mastercard based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the RBC Cash Back Mastercard is better than the Desjardins Odyssey World Elite Mastercard.
The RBC Cash Back Mastercard charges an annual fee of $0, which is $130 less than the $130 annual fee for the Desjardins Odyssey World Elite Mastercard. So, if annual fees are important to you, then the RBC Cash Back Mastercard is the better choice.
Neither Desjardins Odyssey World Elite Mastercard nor RBC Cash Back Mastercard provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The Desjardins Odyssey World Elite Mastercard has better interest rates overall than the RBC Cash Back Mastercard.
The Desjardins Odyssey World Elite Mastercard charges 20.9 on your credit balance for purchases, which is different from the interest rate on the RBC Cash Back Mastercard.
It's worth noting that the Desjardins Odyssey World Elite Mastercard has an interest rate of 21.9 on any balance you transfer to this card from another credit card. That rate is lower than the 22.99 that is charged on the RBC Cash Back Mastercard. If you expect to transfer a balance to this card then the Desjardins Odyssey World Elite Mastercard might save you a lot of money.
The Desjardins Odyssey World Elite Mastercard gives you more insurance than the RBC Cash Back Mastercard.
The RBC Cash Back Mastercard includes 6 types of insurance, whereas the Desjardins Odyssey World Elite Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the RBC Cash Back Mastercard is the better choice.
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The Desjardins Odyssey World Elite Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The RBC Cash Back Mastercard is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.
