Desjardins · Visa · None (low-rate card, no rewards program)
Reviewed 2026-07-06 · By The Points Standard editorial team
Desjardins Flexi Visa
Quietly the best rate-per-dollar-of-fee in Canada, with insurance no other low-rate card bothers to include. The Quebec-friendly pick.
Standard Score breakdown — Pass
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 3.48/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | None |
| Welcome bonus | No welcome offer — the standing 10.9% purchase rate at $0 fee is the product |
| Est. bonus value | ≈ $0 |
| First-year net value | ≈ $0 |
Earn rates
| All purchases | No rewards — 10.9% purchase rate |
Why it earns its score
- 10.9% purchase rate at a $0 annual fee — the best rate-to-fee combination in the class
- Real insurance for a free card: $5M emergency travel medical (trips up to 3 days) and $1,000 mobile device coverage
- Available in Quebec — fills the gap MBNA's residency exclusion leaves
Where it loses points
- No rewards of any kind
- No balance-transfer promotion
- Desjardins' issuer disclosures tie the rate to credit assessment — confirm your offered rate before counting on 10.9%
Who it's for
Balance-carriers who want the lowest rate available at zero fee — and Quebec residents, whom MBNA won't serve.
Who should skip it
You need a 0% balance-transfer window to attack existing debt; MBNA and BMO run those offers, Desjardins doesn't.
Included insurance
Travel medical $5M (trips ≤ 3 days) · Mobile device insurance ($1,000) · Purchase protection · Extended warranty
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.