Which has the lower annual fee, enviro Visa Infinite Privilege or Odyssey Visa Infinite Privilege?

The Odyssey Visa Infinite Privilege has a $130 annual fee, while the enviro Visa Infinite Privilege charges $150/year.

Which card is better for groceries, enviro Visa Infinite Privilege or Odyssey Visa Infinite Privilege?

The enviro Visa Infinite Privilege earns 1.5x on groceries, while the Odyssey Visa Infinite Privilege earns 3%. The better choice depends on your grocery spending and the specific merchants you shop at.

enviro Visa Infinite Privilege vs Odyssey Visa Infinite Privilege — Which Is Better? | Churnr

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

enviro Visa Infinite Privilege wins by $432/yr — strongest in groceries

Odyssey Visa Infinite Privilege earns $192 more on groceries
enviro Visa Infinite Privilege earns $54 more on gas
$450 welcome bonus advantage

Groceries: +$192Gas: +$54Dining & Restaurants: +$50

enviro Visa Infinite Privilege: $30/yr in foreign transaction fees

Odyssey Visa Infinite Privilege: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$727

/first year

1.7% effective$61/mo

vs 1% no-fee card: +$308

Annual rewards earned+$457

Welcome bonus+$450

FX costs−$30

Annual fee−$150

$295

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$123

Annual rewards earned+$455

FX costs−$30

Annual fee−$130

Best for your spendingenviro Visa Infinite Privilege—$727Year 1 value

+$432 more than Odyssey Visa Infinite Privilege

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

enviro Visa Infinite Privilege wins by $432/yr — strongest in groceries

Odyssey Visa Infinite Privilege earns $192 more on groceries
enviro Visa Infinite Privilege earns $54 more on gas
$450 welcome bonus advantage

Groceries: +$192Gas: +$54Dining & Restaurants: +$50

Showing Year 1 analysis

Year-over-Year

Year 1

enviro Visa Infinite Privilege

by $432 — welcome bonus advantage

Year 2+

Too close to call

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data