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2.3
/5
Desjardins
Visa
Desjardins Odyssey Gold VisaPoints Calculator
Our Take
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.
Card Details
Interest Rates
Purchase: 20.90%
Cash Advance: 21.90%
Balance Transfer: 21.90%
Annual Fees
Main Card: $110
Additional Cards: $30
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
2.3/5
Institution
Desjardins
How You Earn 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
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
10 insurance
2 benefits
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 (64 & under)
60 days
Travel Medical Insurance (65 to 75)
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
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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
Pros & Cons
Pros
- Comprehensive insurance
- Decent rewards
- Car rental discounts
Cons
- High annual fee
- No welcome offer
- Limited branch access