Desjardins Odyssey Gold Visa
3.25/5
Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 21.90%
Purchase: 20.90%
Balance Transfer: 21.90%
Annual Fee
$110
Annual Income
Personal: $80,000
Household: $150,000
Credit Score
Very Good
Welcome Bonus
N/A
Card Type
Category: Points
Loyalty Program: Desjardins BONUSDOLLARS® Rewards
Our Rating
3.25/5
Institution
Desjardins
Rewards
- 2% cash back on restaurant, entertainment, transit and pre-authorized purchases
- 1% cash back on all other purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Mobile Device Insurance
$1,000
Trip Cancellation
$500
Trip Interruption
no limits
Emergency Out of province Medical
60 daysEmergency Medical Over 65
15 days
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
Yes
Benefits
Details
Car Rental Discount
25% off base rate off Hertz car rental, no young drivers or additional driver surchargeCar Rental Discount
10% off base rate off Thrifty or Dollar rental, no young or additional drivers surcharge
Pros & Cons
Pros
- Comprehensive Insurance Coverage: Includes extensive travel insurance, including coverage for those over 65, making it ideal for travelers.
- Decent Rewards: Earns 2% back on popular categories like restaurants, entertainment, transit, and pre-authorized payments.
- Mobile Device Insurance: Offers protection for your smartphone or tablet, a feature not always available with other cards.
- Discounts on Car Rentals: Enjoy up to 25% off at popular car rental services, enhancing travel savings.
Cons
- High Annual Fee: The $110 annual fee might seem steep, especially given the modest rewards rate.
- No Welcome Bonus: Unlike many competitors, this card does not offer a welcome bonus, reducing its initial appeal.
- Limited Branch Access: Physical branches are only available in Quebec and Ontario, which may be inconvenient for those needing in-person support outside these provinces.