🇨🇦 Desjardins Flexi Visa

Highlights

• No annual fee on the primary card or supplementary cards.
• 10.9% purchase rate and 12.9% cash-advance rate.
• Includes travel insurance for trips of up to 3 days, plus mobile-device insurance and purchase protection.

Who it’s for: This card suits people who value low interest rates, occasionally need short-trip travel coverage, and want mobile-device and purchase protection without earning points or cash back. The primary and supplementary cards have no annual fee, but travel coverage lasts only up to 3 days and everyday spending earns no ongoing rewards. It is less suitable if your main goal is cash back, points, or longer-trip travel insurance.

Issuer: Desjardins
Network: Visa
Card type: Credit card
Annual fee: Free on the primary card and supplementary cards
Foreign transaction fee: 2.5% conversion fee after a foreign-currency transaction is converted to Canadian dollars

Welcome offer

【September 7, 2026 update】 None

Official application link 🔗

Everyday spending

This card does not earn ongoing points, miles, or cash back.

The standard purchase rate is 10.9%. Pay the full balance within 25 days after the statement date and you can avoid purchase interest. Cash advances start accruing interest at 12.9% from the transaction date, with no grace period. If you miss the required minimum payment, the agreement says the rate can rise to 19.9%.

Benefits and insurance

• Car rental discounts

Book with a Desjardins credit card and you can get up to 15% off the base Hertz rate at participating locations, plus a waived young-driver fee, a waived additional-driver fee, and a lower collision-damage-waiver rate. Thrifty and Dollar can take up to 10% off the base rate and waive those two driver fees. Discounts, vehicle types, and availability change with the location, dates, and terms.

• Instalments and cash advances

At participating merchants, purchases of $200 or more can use Desjardins instalments. Cash advances are up to $2,500 a day and accrue interest at 12.9% from the transaction date.

Travel insurance

Official insurance certificate 🔗

• Emergency Medical Insurance

  Each trip is covered for up to 3 days, with the departure and return days each counting as a full day. A trip longer than 3 days has no card coverage for the entire trip and cannot be combined with another policy. The cardholder and an eligible spouse, child, or grandchild travelling for the entire trip can qualify if they live in Canada at least six months a year and keep provincial or territorial government health insurance for the whole trip. Emergency medical coverage is up to $5,000,000 per person per trip for age 75 and under. Delayed-return living expenses are up to $200 a day and $2,000 in total.

• Trip Cancellation Insurance

  Cancellation or modification before departure is covered up to $500 per person per trip when eligible trip costs are charged to this card. Conditions unstable within the 90 days before buying the trip are restricted, and the maximum age for cancellation coverage is 75.

• Trip Interruption Insurance

  Interruption while travelling is covered up to $1,000 per person per trip when eligible trip costs are charged to this card. Conditions unstable within the 90 days before buying the trip are restricted, and the maximum age for interruption coverage is 75.

• Travel Accident Insurance

  Coverage is up to $10,000. When airfare is paid in full with this card, death or loss of two limbs or sight during the flight is up to $10,000, and loss of one limb or sight is up to $5,000. Baggage and accident coverage have no age cap.

• Baggage Loss/Damage Coverage

  Baggage stolen, lost, or damaged by a carrier is covered up to $500 per person per trip, including up to $250 for replacing essential documents.

• Baggage Delay Coverage

  Baggage delayed more than 6 hours is covered up to $500 per person per trip.

Before departure, the card must be activated, the account cannot be more than 90 days past due, and privileges cannot be suspended. For a medical emergency, contact the 24-hour assistance service first, or you may have to pay part of the cost yourself. Emergency medical coverage excludes pre-existing conditions unstable in the 182 days before departure (90 days if you are under 55); trip cancellation and interruption also restrict conditions unstable in the 90 days before buying the trip. File a claim within 90 days of the triggering event and submit supporting documents within 90 days after the insurer asks for them.

Shopping insurance

• Mobile Device Insurance

A new phone or eligible refurbished phone must be paid in full with this card. Under a Canadian telecom contract, the down payment and every monthly payment must also be charged to the card. Coverage starts on the later of 30 days after purchase or the first monthly payment and ends no later than two years after purchase; missed payments, account closure, or loss of eligibility also end it. For loss, theft, accidental damage, or mechanical breakdown, the lower of repair or replacement cost is covered after 2% depreciation for each full month and a $25, $50, $75, or $100 deductible, up to $1,000. There is a maximum of one claim every 12 consecutive months and two every 48 consecutive months. Accessories, batteries, business or resale phones, used phones, and most refurbished phones are excluded. Notify the insurer within 14 days; for loss or theft, notify the telecom provider within 48 hours, and for theft, file a police report within 7 days.

• Purchase Protection

New personal items bought worldwide must be paid in full with this card or BONUSDOLLARS. If lost, stolen, or damaged within 90 days, they are covered up to $10,000 per item and $50,000 lifetime per account, not exceeding the amount actually paid. Cash and negotiable instruments, plants and animals, perishables, motor vehicles and parts, normal wear, unexplained disappearance, business-use items, and undelivered mail-order goods are excluded.

• Extended Warranty

Most new personal items paid in full with this card or BONUSDOLLARS get the original warranty doubled when it is five years or less, for up to one extra year. Eligible mechanical-failure parts and labour are covered up to $10,000 per item and $50,000 lifetime per account. Original warranties longer than five years, motor vehicles and parts, and business-use items are excluded. For mobile-device and purchase-protection claims, obtain insurer approval before repair or replacement and notify the insurer as soon as you learn of the incident.