Skip to content
Mr. Loonie
Desjardins Odyssey Gold Visa

Desjardins Odyssey Gold Visa

7.1
Good
Expert Score · 2 reviews How we score

Best for: Desjardins members who want travel insurance and cash back on dining

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$470
Every year after
$360

Ranked #77 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$110
The full offer. Up to $110 back.
Annual fee
$110 a year
Apply now on Desjardins’ site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Desjardins’ site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Do you spend $500 or more a month on restaurants, recurring bills and travel?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2% back on restaurants, recurring bills, travel and entertainment
  • Good: Welcome offer up to $110

Watch for

  • Watch for: Everything else earns 0.65% back That’s low for everyday spending.
  • Watch for: $110 a year You need about $500 a month on restaurants, recurring bills and travel to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

BONUSDOLLARS valued at 100¢ each.

  • Groceries $62
    0.65% back $800 a month · $62 a year
  • Restaurants $60
    2% back $250 a month · $60 a year
  • Gas $20
    0.65% back $250 a month · $20 a year
  • Recurring bills $60
    2% back $250 a month · $60 a year
  • Travel $36
    2% back $150 a month · $36 a year
  • Everything else $51
    0.65% back $650 a month · $51 a year
  • Foreign currency $12
    0.65% back $150 a month · $12 a year
For you Year one Later years
Points you earn0 BONUSDOLLARS a year, at 100¢ each $300 $300
Welcome offerYour spending wouldn’t reach it $110 $0
Annual fee −$110 −$110
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $470 $360

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Restaurants
2% back Up to $6,000 in spending per year.
Recurring bills
2% back Up to $6,000 in spending per year. Pre-authorized payments
Travel
2% back Up to $15,000 in spending per year.
Entertainment
2% back
Transit
2% back Alternative transportation such as transit, taxis and bike share
Everything else (base rate)
0.65% back
  • 2% cashback on Entertainment
  • 2% cashback on Alternative transportation
  • 2% cashback on Pre-authorized payments (on first $6000 spent)
How BONUSDOLLARS work, and why 100¢

We count BONUSDOLLARS at 100¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 90¢ to 100¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the offer?

  1. 1

    $110

    Get approved for the card.

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.1
Good
Expert Score How we score
  • Finder (opens in a new tab) Jan 2021

    “The Desjardins Odyssey Gold Visa card might be suitable for people who do not have a high income or a good credit score, but who want access to a credit card with solid travel insurance. This card is not ideal for people who do not travel frequently, however. But, people who get this credit card can access a lot of good benefits through the BONUSDOLLARS rewards program. This makes the card a good option for people who like rewards.”

  • My Rate Compass (opens in a new tab) Sep 2020
    6

    “This sleek, nice looking card comes with an annual fee of $110 and has no welcome bonus. Even though these might be discouraging at first glance, you'll be able to gain access to a wide range of benefits that are just perfect for you, especially if you travel a lot.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Lost baggage Included
  • Baggage delay Included
  • Mobile device $1,000 per device
  • Car rental damage Included
  • Access to the Desjardins Odyssey Lounge at Montreal’s Trudeau airport
  • Mobile Device Insurance
  • Online Shopping Protection
  • Up to 25% off your Hertz car rental anywhere in the world
  • Mobile wallets Apple Pay, Google Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Desjardins’ insurance certificate before you count on any coverage.

Not included

Not listed for this card: trip interruption and flight delay.

Fees and interest

What it costs

Annual fee
$110 a year
Purchase interest
20.9%
Cash advance interest
21.9%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$30
Cash advance fee
$0.00
Balance transfer fee
$0.00
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
21.9%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $470 year one, $360 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Desjardins Odyssey Gold Visa?

$110 a year. Each extra card costs $30.

How much is the Desjardins Odyssey Gold Visa welcome offer worth?

$110 when you are approved, worth about $110.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

20.9% on purchases. Cash advances are 21.9%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and online shopping protection. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$470
year one for you
Apply now on Desjardins’ site (opens in a new tab)
Compare
Compare is full