Desjardins Odyssey Gold Visa
Travellers, especially snowbirds and frequent vacationers, who value long-duration travel medical insurance over raw earn rates.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
The Odyssey Gold Visa is essentially a travel insurance policy with a rewards card attached; its 60-day coverage outclasses most premium cards, even if the earning rates are modest.
Reward rates
Restaurants 2% in BONUSDOLLARS on the first $6,000 in annual restaurant purchases, then 0.65% | 2x |
Entertainment | 2x |
Alternative transportation | 2x |
Pre-authorized payments 2% on the first $6,000 in annual pre-authorized payments, then 0.65% | 2x |
Travel 2% on the first $15,000 in annual travel purchases, then 0.65% | 2x |
All other purchases | 0.65x |
VaultNerd values these points at ~1¢ each.
Pros
- Excellent 60-day comprehensive travel insurance, rare at this fee level
- 2% earn across dining, entertainment, transit, travel and recurring bills
Cons
- Weak 0.65% base earn rate
- BONUSDOLLARS are only redeemable within the Desjardins ecosystem
Perks
- Comprehensive travel insurance for trips up to 60 consecutive days
- 50% off entry to the Desjardins Odyssey Lounge at Montreal-Trudeau airport
- Car rental discounts at Hertz (up to 25%), Thrifty and Dollar
- Mobile device insurance up to $1,000
- Intergenerational travel coverage for grandchildren travelling with you
Insurance
- Travel emergency medical up to $5M per person (up to 60 days, age-dependent)
- Trip cancellation ($2,500 before departure, unlimited after departure)
- Baggage insurance up to $1,000 per person
- Auto rental collision/loss damage (up to 48 days)
- Mobile device insurance up to $1,000
- Purchase protection (90 days) and extended warranty (+1 year)
Frequently asked questions
Is the Desjardins Odyssey Gold Visa worth it?
It charges a $110 annual fee, and we rate it 3.7 out of 5. It's best suited to travellers, especially snowbirds and frequent vacationers, who value long-duration travel medical insurance over raw earn rates. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Desjardins Odyssey Gold Visa earn?
It earns 2x on restaurants, 2x on entertainment and 2x on alternative transportation. We value these points at about 1¢ each, so the top rate works out to roughly 2.0% back.
What credit score do you need for the Desjardins Odyssey Gold Visa?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“Desjardins Odyssey Gold Visa Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/desjardins-odyssey-gold-visa, updated June 2026.
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