Low Interest
No Annual Fee
Flexi Visa*
Desjardins Group
Annual Fee
$0
Purchase APR
10.90%
Cash Adv. APR
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 0%
Rewards Summary: • This card is designed to provide a low interest rate, rather than cash back or rewards.
Welcome Bonus Details
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
Additional Perks
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Insurance Coverage
Travel Medical
Up to $5 million per person for trips up to 3 days.
Trip Cancellation
Up to $500/person before departure, and up to $1,000/person after departure.
Baggage Coverage
Up to $500/person if baggage is lost, stolen, or delayed over 6 hours.
Mobile Device Insurance
Up to $1,000 to cover loss, theft, accidental damage, or mechanical failure.
Purchase Protection
Covers eligible items against loss or damage for 90 days from purchase.
Extended Warranty
Automatically doubles the manufacturer warranty for up to 1 additional year.
Rates & Fees Details
| Purchase APR | 10.90% |
|---|---|
| Cash Advance APR | 12.90% |
| Annual Fee | $0 |
| Supplementary Card | $0.00 |
| Income Required | No specific requirement listed. |