Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.
Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the Desjardins Visa Odyssey Gold would earn $0 in rewards over the year and with the National Bank MC1 Mastercard you would earn $0 in rewards.
When you spend using the Desjardins Visa Odyssey Gold you will earn points called .
When you spend using the National Bank MC1 Mastercard you will earn points called .
We can also compare the Desjardins Visa Odyssey Gold vs National Bank MC1 Mastercard based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the Desjardins Visa Odyssey Gold vs National Bank MC1 Mastercard based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.
When it comes to fees, the National Bank MC1 Mastercard is better than the Desjardins Visa Odyssey Gold.
The National Bank MC1 Mastercard charges an annual fee of $0, which is $110 less than the $110 annual fee for the Desjardins Visa Odyssey Gold. So, if annual fees are important to you, then the National Bank MC1 Mastercard is the better choice.
Neither Desjardins Visa Odyssey Gold nor National Bank MC1 Mastercard provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
The Desjardins Visa Odyssey Gold has better interest rates overall than the National Bank MC1 Mastercard.
The Desjardins Visa Odyssey Gold charges 20.9 on your credit balance for purchases, which is different from the interest rate on the National Bank MC1 Mastercard.
It's worth noting that the Desjardins Visa Odyssey Gold has an interest rate of 21.9 on any balance you transfer to this card from another credit card. That rate is lower than the 22.49 that is charged on the National Bank MC1 Mastercard. If you expect to transfer a balance to this card then the Desjardins Visa Odyssey Gold might save you a lot of money.
The Desjardins Visa Odyssey Gold gives you more insurance than the National Bank MC1 Mastercard.
The National Bank MC1 Mastercard includes 6 types of insurance, whereas the Desjardins Visa Odyssey Gold only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the National Bank MC1 Mastercard is the better choice.
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The Desjardins Visa Odyssey Gold is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.
The National Bank MC1 Mastercard is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.
