Save on interest at a preferred low variable annual interest rate
Enjoy the same low interest rates on all your Purchases and Cash Advance transactions
Option to purchase Travel Medical Insurance and Trip Cancellation and Trip Interruption Insurance4
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.
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
No
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Vehicule rental insurance
No
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Travel accident insurance
No
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Travel medical insurance
No
- Annual Fee: $25
- Additional Card Fee: $0
- Purchases Interest Rate: 12.75%
- Cash Advance Interest Rate: 12.75%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
Purchase Security and Extended Warranty Protection: You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for eligible items you've purchased with your Card, should they be stolen or damaged within 90 days of purchase.
Save with Avis Rent A Car and Budget Rent A Car. Use your TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Optional TD Auto Club Membership
This is a unique credit card from TD that rewards cardholders with good credit. This card carries a $25 annual fee for the primary cardholder. Additional cardholders are charged no annual fee.
This card's key feature is its low interest rate. But what's even more striking is how low the rate can be. This card's interest rate is not set. Rather, it's calculated for each individual cardholder based on the prime interest rate and the cardholder's creditworthiness.
As of March 2020, TD's prime interest rate was 2.450%. This card's final interest rate is then calculated by adding between 4.50% to 12.75% to the prime rate, depending on the applicant's credit history. Applicants with good credit receive lower rates. Thus, the overall interest rate for this card ranges from 6.95% to 15.2%.
There is no minimum income requirement to apply for this card. Applicants simply must be Canadian residents who have reached the age of majority in their province or territory.
The bottom line: This card is perfect for Canadians with good to very good credit who frequently carry a credit card balance. If your credit is good enough to receive the lowest 6.95% interest rate, you could save a substantial amount of money in interest payments by switching to this card.
Special Offer:
Get an extra 10% back* on everyday purchases.
Earn an extra 10% back* for a limited time with a Tangerine Money-Back Credit Card.
Apply for a Tangerine Money-Back Credit Card by August 16, 2021 and earn an extra 10% back (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.*
Balance transfer offer:
During your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months†.
Earn 2% Money-Back Rewards on purchases in up to 3 categories of your choice with the Tangerine Money-Back Credit Card, and 0.50% Money-Back Rewards on all other purchases.
- 2% Rewards in your chosen categories
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Get 0.50% money back on all other everyday purchases.
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Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
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No limit on the amount of Money-Back Rewards you can earn.
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Change your 2% Money-Back Categories to suit your everyday spending.
Optimizing your 2% Money-Back Categories to suit your everyday spending has never been easier. Choose your categories to earn the most money back.
Tangerine Money-Back Credit Card 2% Cash Back Categories:
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- Grocery
- Furniture
- Restaurants
- Hotel-Motel
- Gas
- Recurring Bill Payments
- Drug Store
- Home Improvement
- Entertainment
- Public Transportation and Parking
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Tangerine Money-Back Credit Card Fees:
- Annual: $0
- Balance transfer: 3% with $5 minimum
- Cash advance: $3.50 inside Canada, $5 outside Canada, plus 19.95% interest on overdue amounts
- Foreign transaction: 2.5% per transaction
- Missed or late payments: increased interest rates to 24.95% on all purchases
- Over limit: $25 (Tangerine does not allow you to go over your limit unless the transaction was pre-approved)
Scotia Momentum Mastercard Credit Card review
•7.99% introductory interest rate on purchases for the first 6 months (19.99% after that)
• Cash back on everyday spending with no annual fee
• 1% cash back on eligible gas station, grocery store and drug store purchases and recurring bill payments
• 0.5% cash back on all other eligible everyday purchases
Make everyday purchases quickly and safely with just a tap of your contactless-enabled Mastercard or device
Scotiabank American Express® Card review
Great reasons to get this card for your everyday purchases
Book travel and redeem easily
Use your Card and book travel through Scotia Rewards Travel Service, a full-service travel agency.
Redeem for travel anywhere, anytime, with no travel restrictions
Enjoy benefits
Access to special offers, merchandise, rewards and more
Peace of mind for every trip
Travel without worry with our travel insurance package
Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.
