TD Emerald Flex Rate Visa Card

This credit card review was updated on May 12, 2022 by John

TD Emerald Flex Rate Visa Card

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on TD’s secure site

Welcome Bonus
Get a 6.49% promotional interest rate on purchases for the first 6 months.

Annual Fee
$25 Annual Fee for the Primary Cardholder and $0 for Additional Cardholders.

Eligibility Requirements
You are a Canadian resident and are of the age of majority in your province/territory of residence.

Limited Time Offer – Must apply online by May 29, 2022.

TD Emerald Flex Rate Visa Card At a Glance

If you do need to carry a monthly balance or have emergency purchases you can save a lot with the TD Emerald Flex Rate Visa Card.

  • 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 Insurance.
  • Earn 50% more Stars at participating Starbucks® stores.
  • Enjoy all of the benefits of your Emerald Flex Rate Card using Apple Pay or Samsung Pay.

The Key Numbers to Know

These are the key numbers that you should know about this credit card:

annual fee: $25
interest on purchases: TD Prime + 4.50% to 12.75%
interest on cash advances: TD Prime + 4.50% to 12.75%
additional card holders: $0

Great Features of the TD Emerald Flex Rate Visa Card

There are even more card features and benefits to look forward to. Just click on the titles to learn more.

Automotive Benefits
+ 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.

+ Option to purchase TD Auto Club Membership: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

+ Visa Zero Liability: Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities including your responsibility to protect your PIN.

+ Chip & PIN technology: TD Visa Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN).

+ Purchase Security and Extended Warranty Protection: You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.

+ Verified by Visa: provides you with increased security and convenience when you shop online.

+ Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD Cash Back Visa Infinite Card, or on any Additional Card holder’s card on your Account. Simply ensure that TD has your current mobile phone number listed in your TD Customer Profile.

+ Click to Pay: Paying online with your TD Visa card is easy, smart and secure. Just click to pay with your TD Visa where Visa is accepted.

+ Manage your credit card in the TD app: Set transaction limits, block international purchases or lock your credit card.

Everyday Services
+ Use Apple Pay or Samsung Pay wherever contact less payments are accepted – These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday purchases with just a tap of your device.

+ Emergency Cash Advances – You can ask for an emergency Cash Advance in an amount up to $500 for your TD Rewards Visa Credit Card (subject to your available credit limit).

Frequently Asked Questions

What is the interest rate on TD Emerald flex visa?
There is a standard Rate of TD Prime + 4.50% ~ 12.75% on both purchases and cash advances. There are six fixed-interest rate tiers determined by the results of your credit assessment.
What is the credit limit?
The credit limit is a minimum of $1,000.
Can I apply online?
Yes, just click on the link below to visit the TD bank website and start your application.

Why should you get the TD Emerald Flex Rate Visa Card?

If you are carrying a balance on your credit card with a high interest rate, you could switch to a card with low interest rate and low annual fee like the TD Emerald Visa Card and pay less interest.

Transferring your high-interest rate card balance to this card may help you manage your credit card debt. The annual fee is a reasonable $25 and there are some nice benefits that come with it. If you are looking for a low rate credit card then you should add the TD Emerald Flex Rate Visa Card to your short list of cards to consider.

Apply Now on TD’s secure site