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.
Scotiabank Value® Visa* Card review
Great reasons to get this card for your everyday purchases
Save up to hundreds of dollars a year on interest
Pay down higher interest rates balances faster
- Stay one step ahead of your balance a lower interest rate makes this card an affordable way to finance those medium to large purchases you are making.
Transfer higher rate balances and save even more
- Switch balances over from higher interest-rate credit cards to the?Scotiabank Value?Visa Credit Card. By consolidating your higher-rate balances, you'll save on interest and make paying bills easier.
HSBC +Rewards™ Mastercard® review
Welcome offer
Earn up to 35,000 points* ($175 travel value) PLUS a full annual fee rebate for the primary cardholder for the first year ($25 value). Must apply by October 31, 2022. Conditions apply.
o Earn 30,000 points* when you spend $2,000 within 6 months of account opening ($150 travel value)
o Earn 5,000 points*when you start your application online ($25 travel value)
o First year annual fee rebate for the primary cardholder* ($25 value)
This offer is only available to residents of Canada other than the province of Quebec (Quebec residents eligible for separate offer).
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.
