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Independent ClearFin review · Desjardins

Desjardins Odyssey Gold Visa

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

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Independent comparisonFees includedCanadian card data
Annual fee
$110
Reward type
BonusDollars
Welcome offer
20,000 pts

Current new-cardmember offer

Insurance
Not listed

Confirm with the issuer

Desjardins Odyssey Gold Visa✈️ BONUSDOLLARS
The ClearFin bottom line

✈️ BONUSDOLLARS

Its strongest published earn rate in our data is 2.0% on dining. The $110 annual fee should be weighed against the rewards and benefits you expect to use.

Checked 2026-08-09 · Official issuer catalogue

Welcome bonus

Up to 20,000 BONUSDOLLARS welcome offer (varies by promotion)

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)
Offer details

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
Costs and requirements

Fees & eligibility

Confirm final approval criteria and current rates directly with the issuer.

Annual fee$110
Purchase interest20.9%
Cash advance interest21.9%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Additional card$30
Recommended credit score660+ Good (Canada)

Approval is based on standard credit underwriting with no fixed published credit score requirement. Applicants are evaluated on credit history quality, repayment behaviour, debt-to-income ratio, and income stability.

ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This card targets mid-tier consumers with established credit history. It typically requires stronger credit profiles than cashback or low-interest cards due to its rewards structure and enhanced travel insurance benefits, but is less restrictive than World Elite products.

Reward limits: Accelerated BONUSDOLLARS earn rates (up to 2%) are subject to annual spending caps by category. Once the cap is reached, additional purchases in those categories earn the base rate (0.65%). Caps reset annually per account. Merchant category eligibility is determined by MCC classification rules set by Visa.

Earning cap

Earning cap

Earning cap

Using your rewards

Redemption options

Redemption values and availability may vary by option and can change.

Redeem the card's rewards through the issuer's current rewards program.

Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.

Beyond the points

Benefits that come with the card

Consider these extras by the value they add to purchases and experiences you already use.

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.

Protection included

Insurance at a glance

No included coverage is verified in ClearFin's current catalogue.

Insurance is not currently listed for this product.

This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.

Check the official card page ↗

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
ClearFin analysis

Our detailed review

A practical reading of where the card earns, what the fee buys, and which limits matter.

✈️ BONUSDOLLARS

Up to 2% on restaurants, entertainment, alternative transport, pre-auth & travel. 0.65% else.

How the rewards work

Dining, Travel receive the strongest estimated return at 2.0%. Purchases outside the accelerated categories earn an estimated 0.65%.

What the annual cost means

Using the strongest estimated category return alone, roughly $5,500 in annual spending at that rate would equal the $110 fee before considering the value of insurance, partner benefits, or a welcome offer.

Who it may suit

This card is most relevant for someone who spends consistently on dining and travel and can use enough of the included value to justify the yearly cost.

What to examine before applying

Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.

Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.