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FlexRate Mastercard®

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 Mastercard gives you maximum flexibility for your lifestyle. You’ll earn reward points with every purchase, and you’ll have a variety of options for redeeming your points.

Between August 1 – October 31, 2020, you also earn 50% more rewards when you shop at discount and stationery stores (find out more) and enjoy a special 5.9% balance transfer rate for 6 months (find out more).

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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
  • Mastercard Benefits

* 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.


You decide how to spend your money, so the FlexRate Mastercard 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.

With your FlexRate Mastercard, you earn points just for using your card:

  • Earn 1 point for every $1 spent on everyday purchases

Visit to preview rewards.

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


When things break, your FlexRate Mastercard 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 insurance up to $1,0001

Click 1here for complete details of coverage.

Offer Details

  • Every cardholder earns 1 point for every $1 spent on everyday purchases. 
Offer Terms & Conditions