Highlights

  • Up to 2% on restaurants, entertainment, and alternative transportation, and up to 2% on travel.
  • $110 annual fee, with more complete travel coverage and rental collision/loss insurance.
  • A fit for Canadian travellers who care about emergency health, trip cancellation, and baggage insurance.

Who it’s for: This card suits Canadian cardholders with regular dining and travel spending who value high emergency-medical limits. If you mainly want a high points return or travel coverage at older ages, check the certificate limits first.

Desjardins Odyssey Gold Visa

Issuer: Desjardins
Network: Visa
Card type: Credit card
Annual fee: $110

Welcome offer

【September 7, 2026 update】 None

Official application link 🔗

Everyday spending

2%: restaurants, entertainment, and alternative transportation. Restaurant and pre-authorized-payment purchases earn 2% on the first $6,000 of eligible spend each year, then 0.65%.

Travel purchases earn up to 2% on the first $15,000 each year, then 0.65%. Other eligible purchases earn 0.65%. 1 BONUSDOLLAR equals C$1 and can be used under the program rules. Transaction categories are assigned by the merchant’s transaction code.

Benefits and insurance

  • Car-rental discounts, lounge access, and account rates

At the Desjardins Odyssey Lounge at Montréal-Trudeau Airport, you can get 50% off the regular admission fee. Hertz rentals can take up to 25% off the base rate, and Thrifty and Dollar can take up to 10%, subject to the rental terms and location. The purchase rate is 20.9%, the cash-advance rate is 21.9%, and cash advances are limited to $5,000 a day.

Official insurance certificate 🔗

  • Emergency Medical Insurance

Emergency health care is up to $5,000,000 per person per trip: up to 60 days at age 59 and under, 31 days at ages 60 to 64, and 15 days at ages 65 to 75. Age 76 and over is not covered for emergency health care. Eligibility, pre-existing conditions, and exclusions follow the certificate.

  • Trip Cancellation Insurance

Before departure, trip cancellation coverage is up to $2,500 per person. Eligible costs such as airfare must be charged to this card; covered reasons and claim conditions follow the certificate.

  • Trip Interruption Insurance

After departure, the page does not list a total cap for trip interruption. Eligible costs and the payout scope follow the official certificate.

  • Baggage Loss or Damage Insurance

Baggage that is lost, stolen or damaged is covered up to $1,000 per person per trip. Age 76 and over is not covered for baggage; item limits and exclusions follow the certificate.

  • Baggage Delay Insurance

Baggage delayed for more than 6 hours is covered up to $500. Eligible trips, essential purchases and claim deadlines follow the certificate.

  • Car Rental Collision and Theft Insurance

When the rental is charged in full to this card, rental collision/theft coverage lasts up to 48 consecutive days.

  • Mobile Device Insurance

An eligible phone bought with this card can be covered up to $1,000 for loss, theft, accidental damage, or mechanical breakdown, using the certificate’s payment, depreciation, and deductible rules.

  • Purchase Protection Insurance

Purchase protection applies to eligible new purchases. Coverage, limits and the claims process follow the official insurance certificate.

  • Extended Warranty Insurance

Extended warranty applies to eligible new purchases. The original warranty, registration, limits and claims process follow the official insurance certificate.