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

The Odyssey Gold Visa has a $110 annual fee, while the enviro Visa Infinite charges $120/year.

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

The enviro Visa Infinite earns 1x 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 Infinite 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 edges ahead by $112/yr

Odyssey Gold Visa earns $128 more on groceries
Odyssey Gold Visa earns $24 more on travel

Groceries: +$128Travel: +$24

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

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

Showing Year 1 analysis

Dollar Value

$247

/first year

0.6% effective$21/mo

vs 1% no-fee card: −$172

Annual rewards earned+$347

Welcome bonus+$50

FX costs−$30

Annual fee−$120

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

+$112 more than enviro Visa Infinite

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

Odyssey Gold Visa edges ahead by $112/yr

Odyssey Gold Visa earns $128 more on groceries
Odyssey Gold Visa earns $24 more on travel

Groceries: +$128Travel: +$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 Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data