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Desjardins

Desjardins Odyssey Gold Visa

Start with up to 20,000 BONUSDOLLARS welcome offer (varies by promotion), worth about $200.

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Annual fee
$110
Reward type
BonusDollars
Point value
1¢

per point

Typical credit · 660+
Desjardins Odyssey Gold Visa✈️ BONUSDOLLARS

Welcome bonus

New cardmembers can earn up to 20,000 BONUSDOLLARS welcome offer (varies by promotion) by completing the steps below.

How to earn it

  • BONUSDOLLARS bonus after initial spend thresholdMeet qualifying purchases within first 3 months
  • Additional BONUSDOLLARS bonus upon continued spendReach secondary spend threshold within first 12 months (if applicable)

New cardholders who meet minimum spend conditions within the promotional period. Offers vary by campaign and applicant profile.

How you earn

  • Up to 2% BONUSDOLLARS on eligible purchases in selected categories
  • 2% on restaurants
  • 2% on entertainment purchases
  • 2% on alternative transportation (taxis, transit, rideshare)
  • Up to 2% on pre-authorized payments
  • Up to 2% on travel-related purchases
  • 0.65% on all other purchases
  • BONUSDOLLARS can be redeemed at a 1:1 value for eligible purchases and services

Built-in perks & coverage

Comprehensive travel insurance (up to 60 days)

Emergency medical coverage up to $5M per person for trips up to 60 consecutive days, depending on age and trip conditions.

Trip cancellation and interruption insurance

Coverage up to $2,500 per person for cancellation before departure and unlimited coverage for interruption after departure when travel is charged to the card.

Baggage insurance

Coverage up to $1,000 for lost, stolen, or damaged baggage, and up to $500 for baggage delays over 6 hours.

Montréal-Trudeau Odyssey Lounge access

50% discount on lounge entry at Montréal-Trudeau International Airport, including amenities such as Wi-Fi, snacks, and beverages.

Car rental privileges

Up to 25% discount at Hertz and up to 10% at Dollar and Thrifty, plus perks such as reduced fees and insurance benefits depending on rental terms.

Auto rental collision and loss damage insurance

Coverage for rental vehicles up to 48 consecutive days when the full rental cost is charged to the card.

Mobile device insurance

Up to $1,000 coverage for loss, theft, accidental damage, or mechanical failure of eligible mobile devices purchased with the card.

Purchase protection

90-day protection against loss or damage for eligible items purchased with the card.

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Extended warranty protection

Extends manufacturer warranty by up to 1 additional year on eligible purchases.

Fraud protection and identity security

Zero liability protection for unauthorized transactions, fraud monitoring alerts, and optional identity protection services.

The verdict

What we like

  • Strong mid-tier rewards on everyday spend
  • Good travel insurance coverage for its fee range
  • Balanced entry point between cashback and premium cards

Worth noting

  • Annual caps limit high-spend upside
  • Foreign transaction fee makes it weak for travel abroad
  • Moderate base earn rate outside bonus categories

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