Desjardins Odyssey® Gold Visa Card

Desjardins Odyssey® Gold Visa Card
Welcome Bonus
No Welcome Offer
Annual Fee
$110
  • Premium Insurance
Interest rates
Purchase Rates
19.9 %
Cash Advance Rates
19.9 %
Balance Transfer Rates

Offer

  • Get up to 2% BONUSDOLLARS on your purchases
  • Get 2% of your restaurant purchases
  • Get 2% of your entertainment purchases
  • Get 2% of your transit purchases
  • Get 2% of your purchases direct debited
  • Get 1% on all your other purchases

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $110
First Additional Card $30
Foreign Transaction Fee 2.5%
Purchase Rates 19.9%
Cash Advance Rates 19.9%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 1 Point
Gas 1 Point
Dining and Food delivery 2 Points
Convenience Stores 1 Point
Drugstores 1 Point
Local Transport 2 Points
Travel 1 Point
Entertainment 2 Points
Recurring Payments 2 Points
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
60 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
15 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$1,000,000
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$85,000
48 day(s)
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection

Our review

The Desjardins Odyssey Gold Visa card is a credit card that offers BONUSDOLLARS.

With this card you can get:

  • 2% in BONUSDOLLARS for your restaurant, entertainment, public transportation and direct debit purchases
  • 1% in BONUSDOLLARS on your other purchases

In addition, this card offers several insurances for your purchases:

  • 90 days purchase insurance
  • One year extended warranty
  • Mobile Device Insurance

As well as comprehensive travel insurance.

Milesopedia Links

Frequently Asked Questions

Alternative Cards

  • No minimum income required
  • Purchase Insurance
  • Accepted at Costco
Learn More
  • Earn up to 2 points per dollar spent on certain purchase categories*.
  • Reassuring protection. Travel with peace of mind thanks to our comprehensive insurance coverage up to 10 days
  • Out-of-province-of-residence medical/hospital insurance, Departure flight delay insurance, Baggage insurance in case of delay, Baggages insurance in case of theft or loss, Vehicule rental insurance
  • Trip Cancellation and Trip Interruption Insurance
  • Flight and baggage delay insurance
  • Car rental insurance
  • Purchase insurance against theft or damage
  • Extended warranty
  • Mobile devices insurance against theft or damages for a period of up to 2 years
Legal

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $70
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.49 %
  • Balance Transfer Rates 22.49 %
Earning Rate
  • Groceries2Points
  • Dining and Food delivery2Points
  • Gas1.5Points
Value
  • Year 1 $349
  • Year 2+ $209
Best For
Transfer Partners
  • NBC Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
10 day(s)
Travel medical insurance up to 64 years old
$5,000,000
10 day(s)
Travel medical insurance 65+
$5,000,000
10 day(s)
Trip Cancellation Insurance
$1,000
Trip Interruption Insurance
$1,500
Common Carrier Travel Accident Insurance
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Digital Exclusive Offer†
  • 3% cash back on gas, EV charging, and grocery purchases†
  • Purchase Security and Extended Protection Insurance†
Learn More

Welcome Offer: Get a first-year annual fee rebate and earn 10% cash back welcome bonus of up to $200 (first 4 statements)!†

After that, get 3% cash back on eligible gas, EV charging, and grocery purchases.†

  • 2% cash back on eligible transportation, dining purchases and recurring payments†
  • 1% cash back on all other purchases†
  • Get cash back on demand – redeem your cash back at any time when you have a minimum of $25 through CIBC Online and Mobile Banking®†

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Dividend Platinum® Visa* Card with Journie Rewards to automatically save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer:
1) this offer must have been directly communicated to you from CIBC or from a partner/affiliate; and
2) you must apply for the eligible card through the link provided in the CIBC or partner/affiliate communication to you. †

This offer is reserved for you. Please do not forward it to anyone else. If you have opened, transferred or cancelled another eligible card within the last 12 months, we may approve your application, but you may not receive this offer.†

Legal

†Conditions Apply

Annual Fee
  • Primary card $99
  • Additional card $30
Annual Income Required
  • Individual
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Dining and Food delivery2%
Value
  • Year 1 $762
  • Year 2+ $364
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
Learn More
Best Credit Card with Flexible Rewards in 2023
  • Get up to 55,000 Avion points* (a value of up to $1,100†), that’s enough to fly anywhere in North America or the Caribbean! (Taxes and Fees extra)
    • Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months*. Apply by November 27, 2023.
  • Earn 1 RBC Rewards® point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions. If there is a seat left on the chosen flight, you can fly, even in high season.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple. The RBC Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
  • Eligible RBC Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
  • Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more RBC rewards points
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $12 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
Earning Rate
  • Travel1.25Points
  • All Spending1Point
  • Groceries1Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • Asia MilesBritish Airways Executive ClubRBC Avion Rewards - PremiumRBC Avion Rewards - EliteWestJet Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
2 Milesopedia Rating