Independent ClearFin review · Desjardins
Full earn rates, fees and benefits for the Desjardins Flexi Visa.
Offers can change without notice
Confirm with the issuer
📉 Low InterestThis card is designed primarily for access to credit rather than rewards. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueIssuer promotions change frequently. Check the card's official page before applying.
Confirm final approval criteria and current rates directly with the issuer.
Approval is based on standard retail underwriting with no fixed published credit score requirement. Applicants are assessed on credit history strength, repayment behavior, debt servicing capacity, and overall financial stability.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is a low-interest financing product designed for balance-carrying customers rather than rewards optimization. Compared to cashback and World Elite cards, it has more flexible approval criteria and is generally accessible to applicants with fair to good credit profiles subject to full credit assessment.
Reward limits: This card does not offer cashback, points, or category-based rewards. As a result, there are no earning caps, reward tiers, or accelerated spend categories. The product is structured around low interest financing rather than rewards accumulation.
Redemption values and availability may vary by option and can change.
This card is not currently listed with a points or cash-back redemption program; its value is primarily tied to credit access or borrowing cost.
Consider these extras by the value they add to purchases and experiences you already use.
Low interest rate on purchases
Competitive low purchase interest rate of 10.9% compared to standard credit cards, designed to reduce borrowing costs for carried balances.
Lower cash advance interest rate
Cash advances charged at 12.9%, lower than typical market rates, reducing cost of short-term liquidity usage.
3-day travel insurance coverage
Emergency travel insurance for trips up to 3 days including emergency medical coverage up to $5 million per insured person.
Trip cancellation and interruption coverage
Limited coverage for eligible trip cancellation or interruption expenses when travel is purchased with the card.
Baggage protection
Coverage for lost, delayed, or stolen baggage up to specified limits when travel conditions are met.
Purchase protection
90-day protection against damage or theft for eligible items purchased with the card.
Extended warranty
Extends manufacturer warranty by up to 1 additional year for eligible purchases.
Fraud protection and security alerts
Zero liability protection for unauthorized transactions along with fraud monitoring and security alerts.
Flexible payment installment option
Ability to split eligible purchases of $200 or more into fixed monthly installments for easier repayment management.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
Low purchase interest rate, plus a low rate on cash advances. No rewards. No annual fee.
This card does not currently list a rewards return in ClearFin's catalogue. Its value is primarily tied to credit access and account management rather than points or cash back.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
It may suit someone prioritizing access to credit or rebuilding history, provided the issuer's approval terms and any security-deposit requirements fit their situation.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
