Card Details

Bank Name: TD Canada Trust
Network Type: VISA
Card Type: Personal
MRC Rating My Rate Compass's ratings are determined by our editorial team. Our editors rate credit cards objectively based on the benefits and features the credit card offers, interest rates, the fees, and how a credit card compares with other cards in its category.: (3)


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

Recommended Credit Score

Average to Excellent (670-900)

TD Emerald Flex Rate Visa Card Review

Welcome Bonus:
TD Emerald Flex Rate Visa Card snapshot

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.

TD Emerald Flex Rate Visa Card Rewards
TD Emerald Flex Rate Visa Card Features
Priority airport services
Airport lounge access
Concierge service
Balance protection(Optional)
Purchase Security & Extended Protection Insurance
Flight delay insurance,Baggage Insurance
Vehicule rental insurance
Travel accident insurance
Travel medical insurance
TD Emerald Flex Rate Visa Card User Reviews
Total Reviews: 0

Rating: 1 2 3 4 5 ( 3 )

Application Experience: 1 2 3 4 5

Rewards/Features: 1 2 3 4 5

Customer Service: 1 2 3 4 5

Convenience: 1 2 3 4 5

Likelihood to recommend: 1 2 3 4 5

TD Emerald Flex Rate Visa Card FAQs

Other Recommended Credit Cards


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


Editor`s Review:


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.

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Author Bio

Mohamed Konate

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.