Desjardins Odyssey Gold Visa review - finder CA
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Desjardins Odyssey Gold Visa review

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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.

19.9%

Purchase Interest Rate

$110

Annual Fee

Please note: All information about Desjardins Odyssey Gold Visa has been collected independently by Finder and this card is not available through this site.

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 19.9%.
  • 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 19.9%. 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.

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

  • Find a caisse

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Tangerine World Mastercard
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SimplyCash Card from American Express
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Choice Card from American Express
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Tangerine Money-Back Credit Card
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Name Product Balance Transfer Rate Balance Transfer Fee Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
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BMO CashBack Mastercard
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BMO Preferred Rate Mastercard
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Scotiabank Value Visa Card
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Tangerine Money-Back Credit Card
1.95% for the first 6 months (then 19.95%)
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BMO Rewards Mastercard
1.99% for the first 9 months (then 22.99%)
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Min. recommended credit score: 725
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BMO AIR MILES Mastercard
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BMO AIR MILES Mastercard For Students
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BMO CashBack Mastercard For Students
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Scotia Momentum Visa Card
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Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
American Express Cobalt Card
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Choice Card from American Express
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BMO World Elite Mastercard
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Name Product Welcome Offer Cash Back Rate Purchase Interest Rate Annual Fee Min. Credit Score Reward Description
Tangerine World Mastercard
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BMO Cashback Business Mastercard
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Min. recommended credit score: 650
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Shell CashBack World Mastercard from BMO
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Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Tangerine World Mastercard
Balance transfer offer
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SimplyCash Card from American Express
1.25% cash back
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Tangerine Money-Back Credit Card
Balance transfer offer
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Min. recommended credit score: 680
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BMO Rewards Mastercard
10,000 points
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Min. recommended credit score: 725
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Home Trust Secured Visa
N/A
N/A
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Min. recommended credit score: Any score
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Brim Mastercard
Up to $200 worth of bonuses
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Min. recommended credit score: 700
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Shell AIR MILES Mastercard from BMO
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19.99%
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Min. recommended credit score: 660
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Min. recommended credit score: 660
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