Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

DesjardinsTravel Rewards Card

Desjardins Odyssey Visa Infinite Privilege Card

Our take: strongest for dining — about 4% back in value (est.) for $395 a year.

No welcome bonus currently found — confirm with Desjardins

Goes straight to Desjardins
Our review

The Desjardins Odyssey Visa Infinite Privilege Card earns BonusDollars at up to 4% on dining, entertainment, and transportation, 3% on groceries, and up to 3% on travel (capped at $25,000/year). It carries a $395 annual fee ($295 is advertised for Desjardins members, though the legal cardholder agreement states a flat $395 — a conflict worth confirming before applying), plus a $150,000 personal or $200,000 household income requirement. Its airport lounge perk is limited to a single Montreal airport, which is worth knowing for a card marketed at the “Privilege” tier.

3.9out of 5

MoneyMint rating

#8 of 10 premium travel cards · How we rate

Rewards value

5/10

Insurance

10/10

Flexibility

10/10

Welcome bonus

0/10

Fee value

2/10

Perks

6/10

≈ $130

estimated first-year value after the annual fee, on a typical $2,050/month budget. See it for your spending →

At a Glance

Annual fee

$395/yrmarketing page advertises $295 for members — conflicts with the cardholder agreement

Rewards rate

Up to 4%BonusDollars, varies by category

Foreign transaction fee

2.5%from the official cardholder agreement

Income requirement

$150K / $200Kpersonal / household, or $400K+ AUM

Rewards

~4%on dining (est. value)

Purchase APR 11.90% · Cash advance APR 12.90%

Pros & Cons

Pros

4% cash back on dining, entertainment, and alternative transportation
3% on groceries, uncapped
Notably low 11.90% purchase APR for a premium travel card
12 free airport lounge visits per year at Montreal-Trudeau (YUL)
Extensive travel insurance suite, including $5M emergency medical coverage
Mobile device insurance up to $1,500 for loss, theft, accidental damage or mechanical failure of devices bought with the card or financed on a wireless plan paid with the card

Cons

$395 annual fee (or $295 for Desjardins members, per the marketing page — confirm which applies)
Lounge access limited to a single airport (YUL), not a global network
Travel category rewards capped at $25,000/year in spend, then drop to 1.5%
No welcome bonus currently found — unusual for a premium card at this fee tier
Very high $150,000/$200,000 income requirement

Rewards & Earn Rates

Dining, entertainment, transportation4% BonusDollarsno stated annual cap

Groceries3% BonusDollarsno stated annual cap

TravelUp to 3% BonusDollarscapped at $25,000/year in travel spend, then drops to 1.5%

All other purchases1.5% BonusDollarsincludes pre-authorized payments

Note: Desjardins’ own marketing page advertises $295/year for “Desjardins members,” but both the Quebec and outside-Quebec cardholder agreements state a flat $395 with no mention of a member discount. This is likely a caisse-membership discount applied at billing, but Desjardins doesn’t explicitly confirm the mechanism anywhere we could find — verify which fee applies to you before applying. We also found no welcome bonus advertised as of our research date, which is worth double-checking on the live page since offers change without notice.

Perks & Benefits

Travel Perks

12 free Desjardins Odyssey Lounge visits per year at Montreal-Trudeau (YUL), then 50% off
Visa Infinite Privilege Concierge, 24/7
Visa Airport Companion and hotel collection access
Up to 25% off Hertz, 10% off Thrifty/Dollar

Coverage & Fees

Emergency medical insurance up to $5,000,000, trip length tiered by age, coverage ends at age 75
Trip cancellation/modification insurance, up to $2,500 per person
Baggage insurance, up to $2,500 per person
180-day purchase protection, extended warranty (triples manufacturer’s warranty)

Worth Knowing

Lounge access limited to a single airport (YUL) — not a global network
Annual fee has an unresolved $295-vs-$395 conflict in Desjardins’ own materials
Minimum credit score not published

Who It’s For

Best For

Frequent Montreal-Trudeau travelers who’ll use the lounge access regularly
High-income Desjardins caisse members who qualify for the lower member fee
Dining and grocery spenders who want a strong, uncapped BonusDollars rate

Not For

Travelers who want lounge access at multiple airports or globally
Applicants below the $150K/$200K income bar
Anyone expecting a signup bonus on a premium card

Not Sure? Three Cards People Compare It With

All everyday spending cards →

RBC U.S. Dollar Visa Gold

Pick this instead if you want a lower annual fee ($65).

Fee $65Rating 3.2 ★

Read review

Meridian Visa Infinite Travel Rewards Card

Pick this instead if you want a lower annual fee ($99).

Fee $99Rating 3.3 ★

Read review

Scotiabank American Express Card

Pick this instead if you want no annual fee at all.

Fee $0Rating 3.9 ★Bonus $100

Read review

3.9MoneyMint rating

Desjardins Odyssey Visa Infinite Privilege Card

Best for dining · $395/year

Apply on Desjardins’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against Desjardins’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by Desjardins and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the Desjardins Odyssey Visa Infinite Privilege Card?

The Desjardins Odyssey Visa Infinite Privilege Card has an annual fee of $295/year for Desjardins members; $395/year for non-members. Supplementary card: $95/year. Fee may vary based on your relationship with Desjardins — confirm current pricing before applying.

What is the rewards rate on the Desjardins Odyssey Visa Infinite Privilege Card?

The Desjardins Odyssey Visa Infinite Privilege Card offers: 3% on groceries, 4% on restaurants, 4% on entertainment, 4% on alternative transportation, up to 3% on travel (rate drops after the first $25,000 in travel spend per calendar year), 1.5% on everything else. Earned as BONUSDOLLARS®, redeemable at a flat $1 per BONUSDOLLAR for gift cards, products, and services.

Does the Desjardins Odyssey Visa Infinite Privilege Card have a welcome bonus?

No welcome offer currently advertised As of August 2026, Desjardins is not advertising a welcome bonus for this card. This is a genuine gap compared to most premium travel cards at a similar fee level. Confirm whether a limited-time offer has been introduced before applying, since issuer promotions change without notice.

What credit score do I need to qualify for the Desjardins Odyssey Visa Infinite Privilege Card?

Generally, you’ll want an excellent credit score to be considered for the Desjardins Odyssey Visa Infinite Privilege Card. Approval also depends on income and overall credit history, not credit score alone.

Does the Desjardins Odyssey Visa Infinite Privilege Card charge foreign transaction fees?

2.5%