Pros & Cons
Pros
- +Purchase protection included
- +Travel medical insurance included
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The Desjardins Odyssey Gold Visa Card is a credit card that earns BONUSDOLLARS.
With this card, you can earn:
- 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
- 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
- 0.65% in BONUSDOLLARS on your other purchases
In addition, this card offers several purchase insurances:
- 90 days purchase insurance
- One year extended warranty
- Mobile Device Insurance
As well as comprehensive travel insurance.
Rewards
All Spending
0.65x
Bonidollars Desjardins pts per dollar
Recurring
2x
Travel
2x
Restaurants
2x
Transit
2x
Entertainment
2x
Office
1x
Convenience
1x
Pharmacy
1x
Groceries
1x
Gas
1x
Streaming
1x
Telecom
1x
Entertainment
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
38,700
Bonidollars Desjardins/yr
Estimated Value
$387
After Fees
+$277
1st Year Value
$277
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $5,000,000 / 60 days
Trip Cancellation
Up to $2,500
Trip Interruption
Included
Delayed Baggage
Up to $500
Lost Baggage
Up to $1,000
Travel Accident
Up to $1,000,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $85,000 / 48 days
Interest Rates
- Purchase Rate20.9%
- Cash Advance21.9%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
- 2% in BONUSDOLLARS on your purchases in the Restaurant, Travel, and Pre-authorized payment categories (up to $6,000 in purchases per year—beyond that, the earn rate drops to 0.65%)
- 2% in BONUSDOLLARS on your purchases in the Entertainment and Public transit categories
- 0.65% in BONUSDOLLARS on your other purchases
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Protégez-vous may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Desjardins. All trademarks are property of their respective owners.