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Did you know the average interest rate for no-fee credit cards in Canada is 20.2%? The Desjardins Flexi Visa is a big difference, with an interest rate of just 10.90% on purchases.
This makes it a smart choice for Canadians who want to manage their money well.
With a $0 annual fee, this card helps you save money. It’s perfect for those who want to keep their finances stable without high interest rates. The Desjardins Flexi Visa is a top pick for smart budgeting and financial management.
Desjardins Flexi Visa
Click now to take the first step and find out how to apply for the card.
Understanding the Desjardins Flexi Visa Card
The Desjardins Flexi Visa Card helps users manage their finances better. It offers a low-interest credit option, perfect for those who want to control their spending. Let’s dive into its features, who it’s for, and what makes it special.
Overview of the Flexi Visa Card
The Desjardins Flexi Visa Card has a competitive interest rate of 10.9% for purchases and cash advances. It also doesn’t have an annual fee, which is a big plus. It comes with benefits like emergency healthcare and trip cancellation coverage, making it both useful and affordable.
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Purchase Rate | 10.90% |
| Cash Advance Rate | 10.90% |
| Emergency Healthcare Coverage | Up to $5 million |
| Trip Cancellation Coverage | Up to $500 per person |
| Mobile Device Insurance Coverage | Up to $1,000 |
Who is the Flexi Visa Card for?
The Desjardins Flexi Visa Card is for people who want to manage their debts or make big purchases. It’s designed for those who don’t want high interest rates. It offers flexible repayment options and important coverages, all without breaking the bank.
Benefits of the Desjardins Flexi Visa Card
The Desjardins Flexi Visa Card is great for those who want to manage their money wisely. It has low interest rates of 10.9%. This means you can save a lot of money compared to other cards with higher rates.
Low Interest Rates and Cost Savings
The card’s low interest rates are a big plus. With a rate of just 10.9%, you can save on interest charges. This makes it easier to use your card without breaking the bank.
Over time, the savings add up. This is especially true if you carry a balance on other cards.
No Annual Fee: A Cost-Effective Option
The Flexi Visa Card doesn’t have an annual fee. This makes it a smart choice for those who want to save money. You can use your card without worrying about extra costs.
This gives you peace of mind and makes managing your finances easier.
Flexible Repayment Options
The card offers flexible repayment options. You can pay off your balance in full to avoid interest or spread payments over time. This flexibility helps you budget better and plan your finances.
Exclusive Features of the Desjardins Flexi Visa
The Desjardins Flexi Visa has many features that make it a reliable choice. It offers 24/7 travel assistance, so help is always there. It also has emergency healthcare coverage up to $5 million per person.
There’s trip cancellation coverage too. It covers up to $500 per person if a trip is cancelled before it starts. And up to $1,000 per person if it’s cancelled after it starts.
Another great feature is baggage coverage for up to $500 per person. This protects against lost, damaged, or stolen luggage. Plus, there are discounts at partner car rental services, like up to 15% off at Hertz.
The Desjardins Flexi Visa is simple, without a rewards program. It offers mobile device insurance up to $1,000 and purchase protection for 90 days. It also doubles the original warranty for one more year.
For quick cash, the card allows cash advances up to $5,000 a day at 12.9% interest. It also has a 25-day grace period for balancing payments without interest on purchases.
| Feature | Details |
|---|---|
| Emergency Healthcare Coverage | Up to $5 million per person |
| Trip Cancellation Coverage | Up to $500 before departure, up to $1,000 after departure |
| Baggage Coverage | Up to $500 per person |
| Car Rental Discounts | 15% off at Hertz, 10% off at Thrifty and Dollar |
| Mobile Device Insurance | Up to $1,000 for loss, theft, or accidental damage |
| Purchase Protection | Covers eligible items for 90 days |
| Extended Warranty | Extends original warranty by up to 1 year |
| Cash Advances | Up to $5,000 per day at 12.9% interest |
| Grace Period for Payments | 25 days to pay off without interest |
Technology and Security for Cardholders
The Desjardins Flexi Visa technology is all about making life easier and safer. It lets users link their accounts to Apple Pay, Google Pay, and Samsung Pay. This makes buying things fast and easy.
Mobile Payment Integration
Mobile payment integration makes paying for things quick and simple. It helps users make purchases without hassle. This makes spending money more enjoyable and responsible.
Zero Liability Protection Against Fraud
Desjardins takes security seriously with its Zero Liability Protection. This means cardholders won’t be held responsible for fraud. If a card is used without permission, users get their money back.
There’s also a Lock card feature to freeze the card if it’s lost or stolen. Users get text alerts for any odd transactions. This keeps their financial tools safe and secure.
Conclusion
The Desjardins Flexi Visa is a top choice for Canadians. It’s a low-interest credit card that helps with financial management. With no annual fee, it saves money while offering great rates of 10.90% and 12.90%.
This card is perfect for managing money without high-interest charges. It has flexible repayment options and a 21-day grace period. This makes it easy to handle finances.
It also comes with extra security, giving users peace of mind. The Desjardins Flexi Visa makes budgeting simple with no hidden fees or complex rewards. It’s a great tool for managing everyday and big purchases.
Using this card, users can confidently reach their financial goals. They can stay secure in their spending habits. It’s a powerful tool for financial empowerment.
