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Desjardins Odyssey Gold Visa review

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Desjardins Odyssey Gold Visa
Welcome Offer
N/A
Rewards
Up to 2% cash back
Annual Fee
$110
Purchase Interest Rate
20.9%
Cash Advance Rate
21.9%
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Summary

Earn BONUSDOLLARS that can be redeemed for rewards when you make purchases with this card.

With the Desjardins Odyssey Gold Visa credit card, You get 2% of all your purchases back in BONUSDOLLARS which can be redeemed for rewards.

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The Desjardins Odyssey Gold Visa could be a good credit card option for people who want a premium credit card but who do not have incomes high enough to get better credit cards such as the Desjardins Odyssey Infinite Privilege Card. The Desjardins Odyssey Gold Visa provides a good amount of benefits as long as you pay your annual fee.

30-Second Take

  • This about this card if you travel regularly and want travel insurance in addition to solid rewards.
  • Choose something else if you don’t need travel insurance or if you don’t want to pay an annual fee.
  • There is no minimum income requirement to get this card.

The Basics

  • There is no welcome bonus for this card.
  • You get 2% of all your purchases back in BONUSDOLLARS which can be redeemed for rewards.
  • Interest rate is 20.9%.
  • Annual fee is $110.
  • The card comes with purchase protection and an extended warranty of up to one additional year past the manufacturer’s warranty.

The Perks

  • Comprehensive travel insurance. This includes up to $5 million in emergency healthcare coverage, up to $2,500 per person in trip cancellation insurance, baggage insurance of up to $1,000 per person, common carrier accident coverage of up to $1 million in the event of accidental death or dismemberment, and travel assistance services 24 hours a day, 7 days a week, anywhere in the world.
  • Mobile device insurance. Get up to $1,000 in coverage in the event that your tablet, smartphone, or cell phone is lost, damaged, stolen, or experiences mechanical failure.
  • 50 % off access to the Desjardins Odyssey Lounge at Montreal’s Trudeau Airport. The Desjardins Odyssey Lounge features unlimited snacks and beverages, comfortable seating, free newspapers and magazines, touchscreen computers for children to play with, and views of the runways.
  • BONUSDOLLARS rewards program. With the Desjardins Odyssey Gold Visa credit card, you You get 2% of all your purchases back in BONUSDOLLARS which can be redeemed for rewards.
    which can be redeemed for things like rewards and gift cards, financial products and services, travel benefits, show tickets, and donations.
  • N0 liability in the event of fraud. If any fraudulent transactions are made on your credit card, then you are not liable for them. Desjardins will handle this liability.
  • Simple balance transfers. If you need to make a balance transfer, the process is simple and easy to complete.
  • Hertz car rental discount. You get up to 25 % off when you rent a car with Hertz when you have a Desjardins Odyssey Gold Visa.
  • No minimum income requirement. This is an appealing benefit for many people who do not have incomes high enough for more exclusive credit cards.

What to watch out for

  • Annual fee. When you own this credit card, you have to pay an annual fee of $110. There is no getting around this. It is not the highest annual fee in the world, but it is certainly not as desirable as having no annual fee.
  • High interest rate. The Desjardins Odyssey Gold Visa credit card has an interest rate of 20.9%. There are higher interest rates out there, but there are also definitely many credit cards with lower interest rates. So, if you get the card, you will have to watch your spending carefully.
  • No welcome bonus. This credit card has no welcome bonus. So, if that is something you value, then the Desjardins Odyssey Gold Visa might not be a good option for you.
  • Only 2% back in BONUSDOLLARS. You get 2% of all your purchases back in BONUSDOLLARS which can be redeemed for rewards.
    Also, other Desjardins credit cards, such as the Desjardins Odyssey Visa Infinite Privilege card offer 2% back.

Desjardins Odyssey Gold Visa interest rates

Interest TypeInterest Rate
Purchase interest rate20.9%
Cash advance rate21.9%

What should I know before I apply

How to Apply

There are three different ways to apply for a Desjardins Odyssey Gold Visa credit card: online, by phone, and in-person. Here is how to apply using these methods:

Apply online

Head to the Desjardins website so safely applying online.

Call by phone

  • Montreal area: 514-397-9557
  • Elsewhere in Canada and the U.S.: 1-877-684-8472

Apply in person

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Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card.
Neo Credit Mastercard
Get $25.00 + up to 15% cash back
Up to 5% cash back
19.99% - 29.99%
$0
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at partner stores and at least 1% cashback guaranteed.
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
American Express Cobalt Card
15,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Min. recommended credit score: 700
Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets.
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2024. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Min. recommended credit score: 650
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Min. recommended credit score: 660
Get up to 7,000 welcome points. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months.
BMO eclipse rise Visa Card
25,000
Up to 5 points per $2 spent
20.99%
$0
Min. recommended credit score: 660
Earn up to 25,000 bonus points.
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
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Bottom line

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.

Frequently Asked Questions about Desjardins Odyssey Gold Visa.

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