Desjardins Odyssey Visa Infinite Privilege vs Scotiabank® Gold American Express® Card
The short answer: for most people the Scotiabank® Gold American Express® Card is the better overall card — we rate it 4.7/5 and it shines if you want grocery shoppers and travellers who want no foreign transaction fees. Choose the Desjardins Odyssey Visa Infinite Privilege instead if your priority is affluent quebec travellers who want luxury visa infinite privilege perks, generous earn rates and best-in-class travel insurance..
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| Our rating | 4.2 | 4.7 |
|---|---|---|
| Annual fee | $295/yr | $120/yr |
| Welcome bonus | None | $950 |
| Foreign transaction fee | 2.5% | None |
| Rewards type | points | points |
| Top earn rates |
|
|
| Purchase interest | 11.9% | 21.99% |
| Income required | $150,000 personal | $12,000 personal |
| Best for | Affluent Quebec travellers who want luxury Visa Infinite Privilege perks, generous earn rates and best-in-class travel insurance. | Grocery shoppers and travellers who want no foreign transaction fees |
| Apply now | Apply now |
Desjardins Odyssey Visa Infinite Privilege
Desjardins's flagship card pairs elite-tier earn rates and 60-day travel coverage with a rare sub-12% interest rate, though the rewards currency and lounge network skew heavily toward Quebec residents.
Scotiabank® Gold American Express® Card
Our winnerA do-it-all rewards card: category-leading grocery earning, strong dining and entertainment multipliers, and no FX fee for when you travel or shop in USD.
Frequently asked questions
Is the Desjardins Odyssey Visa Infinite Privilege or the Scotiabank® Gold American Express® Card better?
For most Canadians, the Scotiabank® Gold American Express® Card is the better overall pick (we rate it 4.7/5 vs 4.2/5). It's especially strong if you want grocery shoppers and travellers who want no foreign transaction fees. The Desjardins Odyssey Visa Infinite Privilege can still win if you specifically want affluent quebec travellers who want luxury visa infinite privilege perks, generous earn rates and best-in-class travel insurance..
Which card has the lower annual fee?
The Scotiabank® Gold American Express® Card has the lower annual fee (a $120 annual fee vs a $295 annual fee).
Do either of these cards charge foreign transaction fees?
Desjardins Odyssey Visa Infinite Privilege: 2.5% foreign transaction fee. Scotiabank® Gold American Express® Card: no foreign transaction fee.