1.Desjardins Odyssey Visa Infinite PrivilegeTop pick
6.2/10 · SituationalA genuinely strong top-tier card for Desjardins members, let down for everyone else by the fixed-value points ceiling and steep non-member fee.
Best for: Desjardins members who spend heavily on dining, groceries, and travel and want the richest Odyssey tier's lounge access and concierge perks.
Skip if: You're not a Desjardins member — the $395 non-member fee is hard to justify against Amex Platinum or Scotiabank Passport Visa Infinite Privilege.
$395 annual fee · First-year net value ≈ $450 · Desjardins BONUSDOLLARS · See offer