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TD Emerald Flex Rate Visa® Card

TD Emerald Flex Rate Visa® Card

A credit card you can rely on with a low interest rate.

Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? From points, to miles, to cash back – how do you know how much you’re really getting? To help you find the best rewards card, we’ve created the Your Reward Return, an estimate on the dollar value of your rewards based on your monthly spend so that you can compare like for like. Now that’s wise thinking!
$25.00 *$0 for subsequent Additional Cardholders. 15.20% **TD Prime1 + 4.50% to TD Prime + 12.75% 15.20% **TD Prime1 + 4.50% to TD Prime + 12.75% 15.20% **TD Prime1 + 4.50% to TD Prime + 12.75% Good -
  • Card Details Details
  • Our Review Review

Card Details

  • Preferred annual interest rate is TD Prime + a fixed annual interest rate tier1 depending on your credit assessment. Today, 6.95% is the lowest annual interest rate which is based on TD Prime (2.45%) + the lowest annual interest rate tier (4.50%) and 15.20% is the highest annual interest rate for the TD Emerald Flex Rate Visa®, which is based on TD Prime (2.45%) + the highest annual interest rate tier (12.75%). Start the application process to find out which variable annual interest rate will apply to you based on your credit assessment.

  • Enjoy the same low interest rates on all your Purchases and Cash Advance transactions

  • Option to purchase Travel Medical Insurance2 and Trip Cancellation and Trip Interruption Insurance3

  • Enjoy all of the benefits of your TD Emerald Flex Rate Visa Card using Apple Pay. It's an easy and secure way to pay.4

  • This offer is not available for residents of Quebec. For Quebec residents, please click here.

 Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click the "Apply Online" button.

RateSupermarket.ca's Review

Are you looking for a card with a low interest rate? The TD Emerald Visa is the card for you. While there isn't a rewards program for cardholders, this particular credit card is perfect for those who are searching for a basic credit card to use for day-to-day purchases.

Top Features About TD Emerald Visa

  • The TD Emerald Visa card comes with optional travel medical insurance. This insurance policy covers you for eligible medical expenses should you need medical assistance during your travels. Their annual plan also includes trip interruption and trip cancellation coverage if you're a frequent traveller.
  • Cardholders also enjoy preferred rates with Avis and Budget if a rental car is needed and the TD Emerald Visa can be used to get up to 25% off their rental rates. Finally, roadside assistance is available in case of a roadside emergency, such as a blown tire or a lockout.
  • The TD Emerald Visa provides cardholders with an emergency cash advance benefit (up to $500, subject to available credit limit) in case funds are needed in a pinch.


  • 3 authorized card users at no charge
  • $1,000 minimum credit limit
  • Preferred car rental rates through Avis and Budget
  • Emergency cash advance up to $500/li>
  • Optional roadside assistance
  • Contactless payment through PayWave


  • $25 annual fee
  • Does not earn rewards

Rate, product information and rewards estimate are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details

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