Which has the lower annual fee, enviro Visa Gold LI or Odyssey Gold Visa?

The Odyssey Gold Visa has a $110 annual fee, while the enviro Visa Gold LI charges $145/year.

Which card is better for groceries, enviro Visa Gold LI or Odyssey Gold Visa?

The enviro Visa Gold LI earns 0.5x on groceries, while the Odyssey Gold Visa earns 2%. The better choice depends on your grocery spending and the specific merchants you shop at.

enviro Visa Gold LI vs Odyssey Gold Visa — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Odyssey Gold Visa wins by $360/yr — strongest in groceries

Odyssey Gold Visa earns $192 more on groceries
Odyssey Gold Visa earns $36 more on travel

Groceries: +$192Travel: +$36Bills & Utilities: +$24

enviro Visa Gold LI: $30/yr in foreign transaction fees

Odyssey Gold Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

−$2

/first year

-0.0% effective$0/mo

vs 1% no-fee card: −$420

Annual rewards earned+$173

FX costs−$30

Annual fee−$145

Winner

$359

/first year

0.9% effective$30/mo

vs 1% no-fee card: −$60

Annual rewards earned+$499

FX costs−$30

Annual fee−$110

Best for your spendingOdyssey Gold Visa—$359Year 1 value

+$360 more than enviro Visa Gold LI

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

Downgrade

Coming soon

The Bottom Line

Odyssey Gold Visa wins by $360/yr — strongest in groceries

Odyssey Gold Visa earns $192 more on groceries
Odyssey Gold Visa earns $36 more on travel

Groceries: +$192Travel: +$36Bills & Utilities: +$24

Showing Year 1 analysis

Odyssey Gold Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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