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Desjardins Flexi Visa Card  🇨🇦

desjardins-flexi-visa-card
Desjardins Flexi Visa Card  🇨🇦
Welcome Bonus
No Welcome Offer
Annual Fee
$0
  • No annual fee
Interest rates
Purchase Rates
10.9 %
Cash Advance Rates
12.9 %
Balance Transfer Rates
—
See all cards from Desjardins
desjardins-flexi-visa-card
Desjardins Flexi Visa Card
No Welcome Offer
Apply Now

Offer

  • No annual fee
  • Low-interest

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 10.9%
Cash Advance Rates 12.9%

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
3 day(s)
Travel medical insurance up to 64 years old
$5,000,000
3 day(s)
Travel medical insurance 65+
$5,000,000
3 day(s)
Trip Cancellation Insurance
$500
Trip Interruption Insurance
$1,000
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
$1,000
1 year
Price Protection

Our review

Milesopedia Links

Alternative Cards

CIBC Select Visa front en
CIBC Select Visa* Card  🇨🇦
Get 0% interest for up to 10 months†
First year value : $29
Best of April 2024
  • Digital Exclusive Offer
  • Balance Transfer Offer
  • Low-interest
Apply Now
Learn More
Best balance transfer credit card in 2024

Transfer your credit card balance – Get 0% interest for up to 10 months with a 1% transfer fee† and a first year annual fee rebate†

Check full offer details below†

Transfer your credit card balance and get 0% interest for up to 10 months with a 1% transfer fee†
  • Transfer up to 50% of your assigned credit limit†
  • If you choose to carry a balance and you make your minimum payments on time, a balance transfer could save you money on interest
  • Take advantage of this 0% introductory interest rate on balance transfers for your first 10 months. You’ll only have to pay a 1% fee† when you transfer your balance from another card to the CIBC Select Visa Card
  • This balance transfer offer is only available at the time of your online application.† Simply tick the checkbox to select the balance transfer option when you’re filling out your application

Once you take advantage of this offer, you will have a promotional rate balance on your account. As a result, you will lose your interest-free grace period on new purchases unless you pay your amount due, including any promotional rate balances, in full each month. While you will enjoy the promotional rate on the balances you transfer by using this offer, new purchases will be subject to the purchase interest rate.

Save on gas with CIBC and Journie Rewards

Link and use your CIBC Select Visa Card with Journie Rewards to save up to 10 cents per litre† at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations.†

This is a digital-exclusive offer.† To be eligible for this offer, you must apply for a new eligible card using the “Apply Now” link available on this webpage.†

Legal

† Terms and Conditions apply

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $15,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 13.99 %
  • Cash Advance Rates 13.99 %
  • Balance Transfer Rates 13.99 %
Milesopedia Links
Value
  • Year 1 $29
  • Year 2+ $-29
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Scotia Value En
Scotiabank Value® Visa* Card  🇨🇦
0% introductory interest rate on Balance Transfers for the first 10 months
Ends Oct 31, 2024
  • Low-interest on cash advances
  • Low-interest
Apply Now
Learn More
  • 0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29). Plus no annual fee in the first year. Offer ends 31 Oct 2024.
  • Save up to hundreds of dollars a year on interest
  • Low interest rate of 12.99%
  • Pay down higher interest rate balances faster
  • Transfer higher rate balances and save even more
Legal

*Conditions apply.

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $12,000
  • Household $12,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.99 %
  • Cash Advance Rates 12.99 %
  • Balance Transfer Rates 12.99 %
Milesopedia Links
Value
  • Year 1 $0
  • Year 2+ $-29
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
BMO PrefRate Mastercard RGB – for online
BMO Preferred Rate Mastercard®*  🇨🇦
Get 0.99% interest for up to 9 months on balance transfers
First year value : $29
  • Low-interest
  • Balance Transfer
  • Accepted at Costco
Apply Now
Learn More
  • Welcome offer: Get a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee* and we’ll waive the $29 annual fee for the first year.*
  • Enjoy our lowest interest rate of 13.99% on purchases*
  • Purchase Protection and Extended Warranty*
Legal

*Terms and conditions apply

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

Annual Fee
  • Primary card $29
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 13.99 %
  • Cash Advance Rates 15.99 %
  • Balance Transfer Rates 15.99 %
Milesopedia Links
Value
  • Year 1 $29
  • Year 2+ $-29
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Bnc Syncro Mastercardnbc-syncro-mastercard
National Bank Syncro Mastercard  🇨🇦
No Welcome Offer
First year value : $-35
  • Low-interest
  • Purchase Insurance
  • Accepted at Costco
Apply Now
Learn More
  • Purchase protection
  • Extended warranty
Legal

Interest rates

The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada.

The interest rate for the SYNCRO card consists of a variable prime rate set by National Bank plus a fixed adjustment rate of 4% for purchases and 8% for balance transfers and cash advances. Please note that the annual interest rate for the SYNCRO card will not be less than 8.9% for purchases and 12.9% for balance transfers and cash advances.

Purchase Insurance

This coverage applies to purchases charged to the National Bank Syncro card. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer’s warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22,49 % $9.24 $55.45
20,99 % $8.63 $51.76
12,9 % $5.30 $31.81
8,9 % $3.66 $21.95

*Variable interest rate in effect on September 1st, 2021

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

Annual Fee
  • Primary card $35
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 11.20 %
  • Cash Advance Rates 15.20 %
  • Balance Transfer Rates 15.20 %
Milesopedia Links
Value
  • Year 1 $-35
  • Year 2+ $-35
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
2 Milesopedia Rating