TD Emerald Flex Rate Visa® Card

Card Features

  • Save on interest at a preferred low variable annual interest rate. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • 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
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1 Preferred variable annual interest rate is TD Prime rate (TD Prime) + 4.50%, TD Prime +6.25%, TD Prime +8.75%, TD Prime +10.25%, TD Prime + 11.75%, TD Prime +12.75% depending on your credit assessment. As of October 25, 2018 TD Prime was 3.70% so preferred rates range from 7.95% to 16.2%. Visit http://www.tdcanadatrust.com/customer-service/todays-rates/td-prime/prime.jsp for current TD Prime. Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received within 30 days of Payment Due Date.

2 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941, or visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Travel Medical Insurance that is automatically included with other TD Credit Cards.

3 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.

4Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

* Trademark of Visa International Service Association and used under license.

Interest Rates

Purchase APR: TD Prime1 + 4.50% up to TD Prime + 12.75%

Balance Transfer APR: N/A

Cash Advance APR: TD Prime1 + 4.50% up to TD Prime + 12.75%

Annual Fee

$25

Pros

  • A low variable rate can help save on interest payments

Cons

  • Not a rewards card

Bonus Offer

N/A

Introductory Rates

N/A

Reward Earnings Rate

N/A

Additional Details

Grace Period: 21 days on all new purchases

Fees