Low Interest
No Annual Fee
Flexi Visa*
Desjardins Group
Secure RateBuddy connection · Application completed on Desjardins Group’s site
Annual Fee
$0
Purchase APR
10.90%
Cash Advance
12.90%
RateBuddy Verdict
The Good
- Extremely competitive 10.9% standard purchase APR for a card with no annual fee.
- Includes Mobile Device Insurance up to $1,000 (very rare on low-rate, no-fee cards).
- Provides short-term (3-day) emergency travel medical insurance.
The Trade-offs
- Does not offer cash back or any form of rewards points.
- The 3-day travel medical insurance is often too short for standard vacations.
Rewards & Earnings
Base Rate
—
Rewards Summary:
• This card is designed to provide a low interest rate, rather than cash back or rewards.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No annual fee
Travel Medical Insurance
Travel Medical (up to 3 days)
Mobile Device Insurance
Mobile Device Insurance (Up to $1,000)
Trip Cancellation/Interruption Insurance
Trip Cancellation included
Extended Warranty Insurance
Extended Warranty (Up to 1 extra year)
Purchase Security Insurance
Purchase Security (90 days)
Low Purchase Interest
Low Purchase Interest (10.9%)
Baggage Delay/Loss Insurance
Baggage Delay/Loss included
Insurance Coverage
• Travel Emergency Medical Insurance (up to 3 days)
• Trip Cancellation Insurance
• Baggage Coverage
• Mobile Device Insurance
• Purchase Protection (90 days)
• Extended Warranty (up to 1 additional year)
Rates, Fees & Eligibility
| Purchase APR | 10.90% |
|---|---|
| Cash Advance APR | 12.90% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Grace Period | 25 days |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Low Interest
No Annual Fee
Secure RateBuddy connection