Quels sont les frais annuels de la carte Desjardins Odyssey Gold Visa?

La carte Desjardins Odyssey Gold Visa comporte des frais annuels de 110 $.

La carte Desjardins Odyssey Gold Visa en vaut-elle la peine?

Pour des dépenses typiques de 2 000 $ par mois, WalletReturn estime 156 $ en récompenses annuelles nettes après les frais annuels et 156 $ de valeur la première année, prime de bienvenue comprise. Votre résultat dépend de vos dépenses dans ses catégories bonifiées.

Combien de points ou de remise en argent la carte Desjardins Odyssey Gold Visa rapporte-t-elle?

0.65% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route; 2% BONUSDOLLARS on eligible dining; Separate calendar-year $6000 cap, then 0.65%; 2% BONUSDOLLARS on eligible recurring_bills; 2% BONUSDOLLARS on eligible entertainment.

Quel est le taux d’intérêt de la carte Desjardins Odyssey Gold Visa?

Le taux d’intérêt sur les achats est de 20,9 %.

Les noms officiels des produits sont conservés. Les textes sans version française restent identifiés en anglais; les conditions de l’émetteur font foi.

Desjardins Odyssey Gold Visa

Desjardins

Desjardins BONUSDOLLARS

Accumulation des récompenses

dining: 0.02 points / $1

Frais annuels: 110,00 $
Valeur de la prime la première année: 0 $
Récompenses annuelles nettes: 156,16 $
Valeur la première année: 156,16 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur

Détails de la carte

Frais annuels

Carte principale : 110,00 $

Cartes supplémentaires : 30,00 $

Taux d’intérêt

Achats : 20,9 %

Avances de fonds : 21,9 %

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : 2,5 %

Type de carte

Visa · Voyages

Récompenses

Programme : Desjardins BONUSDOLLARS

Émetteur

Desjardins

Admissibilité pas entièrement vérifiée

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

0.65% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route
2% BONUSDOLLARS on eligible dining
Separate calendar-year $6000 cap, then 0.65%
2% BONUSDOLLARS on eligible recurring_bills
2% BONUSDOLLARS on eligible entertainment
2% BONUSDOLLARS on eligible transit
2% BONUSDOLLARS on eligible travel
Separate calendar-year $15000 cap, then 0.65%

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par mois

Valeur estimée la première année

156,16 $

net annual rewards

Récompenses annuelles nettes: 156,16 $

Détail des récompenses annuelles

Récompenses accumulées en un an	266,16 $
Frais annuels	− $110.00
Récompenses annuelles nettes	156,16 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

View illustrative rewards

Illustrative example — not your personalized estimate. Example: $2,000/month · $24,000/year · no bonus. Uniform full reward year; half of applicable categories is allocated to eligible scopes, split across sibling scopes; streaming $25, portal/digital/membership $0. These are scenario assumptions. No fee waiver is included. This example does not change your spending profile. Edit example allocations in the card's Rewards & conditions menu.

Example redemption method

Native units are BONUSDOLLARS, not ordinary points: 1 BONUSDOLLAR=$1. Minimum20BONUSDOLLARS per redemption; account good standing. Only eligible restaurant, entertainment, travel, alternative transport or donation purchases within60days qualify; no general balance credit or cash payout. Earned equivalent assumes you select and can use this route, and does not promise sufficient redemption purchases. Other routes and insurance limits are excluded. Temporary redemption maintenance October12–20,2026.

Illustrative annual rewards: 202,98 $
Frais annuels habituels: 110,00 $
Illustrative net ongoing value: 93,00 $

Actual rewards depend on eligible purchases, caps and redemption rules. Interest is excluded. Personalize this calculation

Complete these assumptions to calculate your value:

Confirm whether your spending mix is typical throughout one complete rewards year.
Confirm whether this profile includes all purchases for this account, including additional cardholders.
Enter monthly Desjardins eligible dining. This is part of your existing spending.
Enter monthly Desjardins eligible recurring_bills. This is part of your existing spending.
Enter monthly Desjardins eligible entertainment. This is part of your existing spending.
Enter monthly Desjardins eligible transit. This is part of your existing spending.
Enter monthly Desjardins eligible travel. This is part of your existing spending.

Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending

Calculation assumptions for this card

Annual estimate assumptions for Desjardins Odyssey Gold Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Points redemption method

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Desjardins eligible dining · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $200/month; remaining: $200/month.Desjardins eligible recurring_bills · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $200/month; remaining: $200/month.Desjardins eligible entertainment · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $100/month; remaining: $100/month.Desjardins eligible transit · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $80/month; remaining: $80/month.Desjardins eligible travel · CAD/monthRegular eligible purchases in good standing; returns reverse rewards. Exclude advances, cheques, Accord D financing, interest, foreign currency purchases, electronic transfers, money orders and casino purchases. Use network merchant classification; each purchase allocated once. Highest eligible earning rate wins; equal rates use pre-authorized payment first. Pre-authorized payments must be automatic merchant charges at regular intervals. Base rate applies when merchant MCC does not qualify. Parent: $100/month; remaining: $100/month.Je suppose une répartition uniforme des dépenses pendant tout le cycle de récompensesCe profil représente tous les achats de ce compte, y compris ceux des titulaires supplémentaires concernés

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange

Prime de bienvenue: 0,00 $
Récompenses annuelles nettes: 156,16 $
Valeur la première année: 156,16 $

Reviewed comparison example · typical Canadian spending · not your personalized estimate

Earning categories

Dining and recurring billsUp to $6,000 a year (shared)2 %back in Desjardins BONUSDOLLARS
Entertainment and transit2 %back in Desjardins BONUSDOLLARS
VoyagesUp to $15,000 a year (shared)2 %back in Desjardins BONUSDOLLARS
Tout le reste0,65 %back in Desjardins BONUSDOLLARS

Earning rules and limits

Other-purchase rate applies after caps.
Annual category spending caps: $6,000 each for restaurants and pre-authorized payments, and $15,000 travel.

Redemption methods

BONUSDOLLARS eligible-purchase credit
$1 per dollar
Fonctionnement
- Account good standing.
- Only eligible restaurant, entertainment, travel, alternative transport or donation purchases within 60 days qualify.
- No general balance credit or cash payout.
Issuer redemption terms

Rates checked 2026-10-10. Issuer rewards terms

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

Soins médicaux en voyage: not included
Annulation de voyage: not included
Interruption de voyage: not included
Retard de vol: not included
Bagages: not included
Location de voiture: included
Accident de voyage: not included
Vol à l’hôtel ou au motel: not included
Appareils mobiles: included
Protection des achats: included
Garantie prolongée: included

5 assurances

AssuranceCoverage

Protection des achats50 000 $
$50,000 per account / year; $10,000 per item for jewellery, gems, watches and furs
90 days from purchase
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply.
Issuer terms (opens new tab)
Not counted in this estimate
Garantie prolongée50 000 $
$50,000 per account / year; $10,000 per item for jewellery, gems, watches and furs
Doubles manufacturer warranty; up to 1 additional year
Eligible new personal items paid in full with card and/or accepted BONUSDOLLARS. Excess of other insurance; listed excluded goods, claim documents, good standing and insurer approval before repairs/replacement apply. Original warranty valid in Canada; manufacturer warranty eligibility limits, closure and exclusions apply.
Issuer terms (opens new tab)
Not counted in this estimate
Assurance appareils mobiles1 000 $
Up to $1000 after depreciation and applicable deductible
Later of 30 days after purchase or first billed payment; ends by 2 years from purchase
Full device cost, or all upfront/financed plan bills, charged to card. New or qualifying manufacturer/provider refurbished device; 2% monthly depreciation. One claim/12 months and two/48 months across covered accounts; missing required bill payment ends cover.
Issuer terms (opens new tab)
Not counted in this estimate
Collision ou dommages au véhicule de locationVéhicules jusqu’à 85 000 $
Eligible vehicle MSRP at most $85,000 excluding taxes; actual loss per certificate
Maximum 48 consecutive rental days
Book and pay full rental with card, rental in cardholder name; decline CDW where permitted. If agency waiver is required or chosen, certificate deductible coverage may apply. Eligible vehicles only, one rental at a time; notify insurer within 48 hours. No third-party liability.
Issuer terms (opens new tab)
Not counted in this estimate
Travel insurance for eligible trips of up to 60 daysInclus
Issuer terms (opens new tab)
Not counted in this estimate

Points forts et points faibles

Points forts

0.65% earned as BONUSDOLLARS on other eligible purchases. One BONUSDOLLAR equals one Canadian dollar for the reviewed redemption route
Les récompenses typiques couvrent les frais annuels de 110 $
5 types d’assurance inclus

Points faibles

Frais annuels de 110 $
Frais d’opérations en devises de 2,5 %
Les catégories bonifiées ont des plafonds de dépenses

Sources et mentions légales

Points à considérer

Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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