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

The Visa EXPLORE has a $95 annual fee, while the Odyssey Gold Visa charges $110/year.

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

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

Odyssey Gold Visa vs Visa EXPLORE — Which Is Better? | Churnr

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

Odyssey Gold Visa wins by $310/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

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

Visa EXPLORE: $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

$48

/first year

0.1% effective$4/mo

vs 1% no-fee card: −$370

Annual rewards earned+$173

FX costs−$30

Annual fee−$95

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

+$310 more than Visa EXPLORE

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 $310/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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