Which has the lower annual fee, Odyssey Gold Visa or RBC Avion Visa Platinum?

The RBC Avion Visa Platinum has no annual fee, while the Odyssey Gold Visa charges $110/year.

Which card is better for groceries, Odyssey Gold Visa or RBC Avion Visa Platinum?

The Odyssey Gold Visa earns 2% on groceries, while the RBC Avion Visa Platinum earns 0.8x. The better choice depends on your grocery spending and the specific merchants you shop at.

Odyssey Gold Visa vs RBC Avion Visa Platinum — 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 $56/yr

Odyssey Gold Visa earns $133 more on groceries
Odyssey Gold Visa earns $25 more on travel
$110 higher annual fee, offset by rewards

Groceries: +$133Travel: +$25Bills & Utilities: +$2

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

RBC Avion Visa Platinum: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

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

$303

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$116

Annual rewards earned+$333

FX costs−$30

Annual fee−$0

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

+$56 more than RBC Avion Visa Platinum

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 edges ahead by $56/yr

Odyssey Gold Visa earns $133 more on groceries
Odyssey Gold Visa earns $25 more on travel
$110 higher annual fee, offset by rewards

Groceries: +$133Travel: +$25Bills & Utilities: +$2

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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