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Desjardins Odyssey Gold Visa Review
The Bottom Line
The Desjardins Visa Odyssey Gold offers solid rewards and a comprehensive insurance package, including coverage for seniors, making it a good choice for frequent travelers. However, the card's $110 annual fee might feel steep given its modest rewards rate and the lack of a welcome bonus, which might make some consumers hesitate.
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Rewards
- 2% in BONUS-DOLLARS on restaurant & pre-authorized purchases (up to $6,000 spend per category)
- 2% in BONUS-DOLLARS on entertainment and transit purchases
- 1% in BONUS-DOLLARS on all other purchases
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
no limits
Travel Medical Insurance
60 daysTravel Medical Insurance (65+)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young or additional drivers surcharge
Eligibility
Credit Score
GoodAnnual Income
N/A
Card Details
Interest Rates
Purchase APR
20.90%
Cash Advance APR
21.90%
Balance Transfer APR
21.90%
Fees
Annual Fee
$110
Additional Cards
$30
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- Comprehensive Insurance Coverage: Includes extensive travel insurance, including coverage for those over 65, making it ideal for travelers.
- Decent Rewards: Earns 2% back on popular categories like restaurants, entertainment, transit, and pre-authorized payments.
- Mobile Device Insurance: Offers protection for your smartphone or tablet, a feature not always available with other cards.
- Discounts on Car Rentals: Enjoy up to 25% off at popular car rental services, enhancing travel savings.
Cons
- High Annual Fee: The $110 annual fee might seem steep, especially given the modest rewards rate.
- No Welcome Bonus: Unlike many competitors, this card does not offer a welcome bonus, reducing its initial appeal.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario, which may be inconvenient for those needing in-person support outside these provinces.
Get personalized rewards estimates — see exactly how much you could earn.
Desjardins Odyssey Gold Visa Points Calculator
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