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.

Desjardins Odyssey Gold Visa

2.3

Finly Rating

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on Desjardins' website

Welcome Bonus

N/A

Rewards Rate

1% - 2%

Points

Annual Fee

$110

Interest Rates

20.90% / 21.90%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Card Details

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
Emergency Out of province Medical
60 days
Emergency Medical Over 65
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Car Rental Damage & Theft
Yes

Benefits

Details

Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surcharge
Car Rental Discount
10% off base rate off Thrifty or Dollar rental, no young or additional drivers surcharge

Eligibility

Credit Score
Good
Annual 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

Card Type

Credit

Reward Type

Points

Loyalty Program

Desjardins BONUSDOLLARS® Rewards

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.