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FlexRate Visa* Card

Your card. Your rewards. Your way.

With a credit line and interest rate customized to benefit your financial well-being and a wide-ranging rewards program, the FlexRate Visa* Card gives you maximum flexiblity for your lifestyle. You’ll earn reward points with every purchase, and you’ll have a variety of options for redeeming your points.

Annual Fee


Interest Rate (Purchases)

Base Rate + 6.90% to 15.90% Variable

Cash Rewards

1 point = $1

Cash Advance Rate

Base Rate + 6.90% to 15.90% Variable

Card Benefits
Terms & Conditions

Card Benefits

  • Annual Fee: $40.00
  • Interest Rate: Variable; Prime Rate* + 6.9% to 15.9% purchases and cash advance
  • Zero Liability Fraud Protection¹
  • Earn FlexRewards
  • Purchase Protection & Extended Warranty²
  • Mobile Device Insurance²
  • Visa Benefits

Offer Details:

Eligibility for rewards and/or account credit is subject to the rewards program terms and conditions. Qualifying transactions are defined in the rewards program terms and conditions. Cash advances and balance transfers do not qualify for reward points. To earn rewards, each account must remain open, in good standing and not become delinquent. All purchases are subject to credit approval.
* The Prime Rate corresponds to the base rate announced by Fédération des Caisses Desjardins du Québec from time to time as being its reference interest rate then in force to determine the interest rates on commercial loans granted by Fédération des Caisses Desjardins du Québec in Canada in Canadian dollars in effect on the billing date.
¹ Zero liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: (1) You have used reasonable care in protecting your card from loss or theft; and (2) You have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or 1.647.252.9564 (International Collect) when you knew that your credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.


You decide how to spend your money, so the FlexRate Visa* Card gives you the freedom to decide how to use your reward points. Your valuable reward points can be redeemed for gift cards, hotel stays, travel or over 1,000 merchandise options.

  • Earn 1 point for every $1 spent on everyday purchases
  • Redeem rewards with as little as 1,000 points

Visit to preview rewards.

For full details, please see the Rewards Terms & Conditions of this card. 


When things break, your FlexRate Visa* Card can help cover you.

  • 90 days purchase protection on purchases made with your card¹
  • Double the manufacturer’s warranty (up to one year) on purchases made with your card¹
  • Mobile Device Insurance¹