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Pros & Cons
Pros
- Purchase protection included
- Travel medical insurance included
Cons
- Annual fee ($110/yr)
- Foreign Transaction Fee (2.5%)
- No airport lounge access despite fee
Our Review
The Desjardins Odyssey Gold Visa Card is a credit card that earns BONUSDOLLARS.
With this card, you can earn:
- 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
- 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
- 0.65% in BONUSDOLLARS on your other purchases
In addition, this card offers several purchase insurances:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Rewards
All Spending
0.65%
cash back on eligible purchases
Recurring
2%
cash back on eligible purchases
Travel
2%
cash back on eligible purchases
Restaurants
2%
cash back on eligible purchases
Transit
2%
cash back on eligible purchases
Entertainment
2%
cash back on eligible purchases
Online purchases
1%
cash back on eligible purchases
Office
1%
cash back on eligible purchases
Convenience
1%
cash back on eligible purchases
Pharmacy
1%
cash back on eligible purchases
Groceries
1%
cash back on eligible purchases
Gas
1%
cash back on eligible purchases
Streaming
1%
cash back on eligible purchases
Telecom
1%
cash back on eligible purchases
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
38,700
BONUSDOLLARS Desjardins/yr
Estimated Value
$387
After Fees
+$277
1st Year Value
$277
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel medical (under 55)
Up to $5,000,000 / 60 days
Travel medical (55-64)
Up to $5,000,000 / 31 days
Travel medical (65+)
Up to $5,000,000 / 15 days
Trip Cancellation
Up to $2,500
Trip Interruption
Included
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Travel Accident
Up to $1,000,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000 / 1 year(s)
Auto Rental
Up to $85,000 / 48 days
Fees and interest rates
- Annual Fee$110
- Additional card fee$30
- Foreign currency conversion fee2.5%
- Purchase Rate20.9%
- Cash advance rate21.9%
Terms & Conditions
Card Features
- 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
- 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
- 0.65% in BONUSDOLLARS on your other purchases
FAQ
Does the Odyssey Gold Visa Card offer cash back?
The Desjardins Odyssey Gold Visa Card is part of Desjardins’ BONUSDOLLARS program, which offers cash back or travel rewards.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Desjardins. All trademarks are property of their respective owners.
