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Mr. Loonie
Desjardins Flexi Visa

Desjardins Flexi Visa

Best for: Desjardins members who carry a balance and want a lower interest rate

The balance you carry
Less interest than a typical card, each year
$303
About $327 a year here, instead of $630 at 20.99%

Ranked #3 of 176 for low interest. See the list

See how we worked it out
Purchase rate
10.9%
Annual fee
None
Apply now on Desjardins’ site (opens in a new tab)
Earns no rewards
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Desjardins’ site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? Interest Can I get it? Perks Fees Similar cards
2 quick questions

Is it for me?

Do you carry a balance from month to month?

Do you want to earn rewards on your spending?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 10.9% on purchases The usual rate is 20.99%.
  • Good: No annual fee It costs nothing to keep.

Watch for

  • Watch for: Earns no rewards If you pay in full each month, a no fee cash back card gives you more.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d pay in interest

On a balance of $3,000 that you carry for a year.

  • This card $327
    10.9% $3,000 carried all year
  • A typical card $630
    20.99% $3,000 carried all year

A late payment can end a promotional rate early. Simple yearly interest on a balance that stays the same. Banks charge interest monthly, so the real cost comes out a little higher.

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip A balance transfer only helps if the balance shrinks. Set up an automatic payment so it goes down every month.

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Lost baggage Included
  • Mobile device $1,000 per device
  • Mobile device insurance
  • Trip Cancellation or Interruption Coverage
  • Baggage Insurance
  • Desjardins Identity Protection
  • Get up to 15% off your Hertz car rental and up to 10% off at Thrifty and Dollar
  • Mobile wallets Apple Pay, Google Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Desjardins’ insurance certificate before you count on any coverage.

Not included

Not listed for this card: trip interruption, flight delay and car rental damage.

Fees and interest

What it costs

Annual fee
None
Purchase interest
10.9%
Cash advance interest
12.9%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
None
Cash advance fee
$0.00
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards

Purchase interest on each card. This card: 10.9%.

See all cards ranked by interest

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the Desjardins Flexi Visa?

There is no annual fee.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

10.9% on purchases. Cash advances are 12.9%.

Does it include insurance?

It lists extended warranty, purchase protection, mobile device insurance and trip cancellation or interruption coverage. Read the insurance certificate for the limits.

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. This page is general information and isn’t financial advice.

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

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$303
less interest a year
Apply now on Desjardins’ site (opens in a new tab)
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