travel3.7 / 5

Desjardins Odyssey Gold Visa

Desjardins

Best for

Travellers, especially snowbirds and frequent vacationers, who value long-duration travel medical insurance over raw earn rates.

Apply on Desjardins

Annual fee

$110

FX fee

2.5%

Purchase APR

20.9%

Income req.

—

Recommended credit score

680+

Approval difficulty

Moderate approval

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)

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“Desjardins Odyssey Gold Visa Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/desjardins-odyssey-gold-visa, updated June 2026.

Sources

Desjardins cardholder agreement and rates & fees disclosure
VaultNerd cards database