Skip to content
Mr. Loonie

Comparing 2 cards

Desjardins Flexi Visa vs TD Emerald Flex Rate Visa

At typical spending, Desjardins Flexi Visa is worth $135 more in year one and $135 more every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

Desjardins

Desjardins Flexi Visa

Remove Desjardins Flexi Visa

TD

TD Emerald Flex Rate Visa

Remove TD Emerald Flex Rate Visa
What it’s worth to you
Better: $65
Year one
Better: Every year after $65

Cash back, counted at face value. Why we value Desjardins Flexi Visa this way

Better: −$70
Year one
Better: Every year after −$70

Cash back, counted at face value. Why we value TD Emerald Flex Rate Visa this way

Apply now with Desjardins (opens in a new tab)
Apply now with TD (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
Better: $0
$25
Extra card For a partner or family member
$0
$0
Foreign currency fee On purchases in another currency
2.5%
2.5%
Interest on purchases
10.9%
Better: 8.95%
Interest on cash advances
12.9%
Better: 8.95%
Cash advance fee
$0.00
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
Not listed
3%, Maximum
Late payment fee
$0
$0
Source
desjardins.comChecked Nov 8, 2026
td.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $0
Better: $0
Restaurants $3,000 a year
Better: $0
Better: $0
Gas $3,000 a year
Better: $0
Better: $0
Recurring bills $3,000 a year
Better: $0
Better: $0
Travel $1,800 a year
Better: $0
Better: $0
Everything else (base rate) $7,800 a year
Better: $0
Better: $0
Foreign currency $1,800 a year
Better: $0
Better: $0
Total earned Before fees and the welcome offer
Better: $0
Better: $0
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Better: $45
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $110
Better: $0
Limits
None listed
None listed

Extended warranty
Included
Not listed
Purchase protection
Included
Not listed
Travel accident
Included
Not listed
Travel medical
Up to $5,000,000
Not listed
Trip cancellation
Included
Not listed
Lost baggage
Included
Not listed
Mobile device
Up to $1,000
Not listed
Mobile wallets
Apple Pay, Google Pay
Apple Pay, Samsung Pay

Personal income Minimum the bank lists
None listed
None listed
Network
Visa
Visa
Expert Score From critic reviews, shown, not ranked
Not listed
Expert Score 7.7 out of 10. Good

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

  • Desjardins Flexi Visa: desjardins.com, checked Nov 8, 2026
  • TD Emerald Flex Rate Visa: td.com, checked Nov 8, 2026

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Compare is full