Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Claire Horwood, FinderThe TD Emerald Flex Rate Visa Card is a no-frills card that will give you a low interest rate based on your credit score. It costs $25 per year and comes with optional benefits like travel insurance and roadside assistance (which you can add on for a fee).
- My Rate CompassThis 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.
- creditcardGeniusThe TD Emerald Flex Rate Visa gives you an interest rate that is between Prime + 1.50% and Prime + 12.75%. The interest rate that TD Bank gives cardholders is based on their credit score. If your credit score is excellent, you will most likely get an excellent interest rate.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate | 11.7% ‐ 19.95% (Variable) |
| Balance Transfer Interest Rate | 11.7% ‐ 19.95% (Variable) |
| Cash Advance Interest Rate | 11.7% ‐ 19.95% (Variable) |
| Rates & Fees | |
| Annual Fee | $25.00 |
| Balance Transfer Fee |
3% Maximum |
| Cash Advance Fee |
1% Minimum of $3.50, maximum of $10.00 |
| Foreign Transaction Fee |
2.5% Transactions made in a foreign currency will be converted and posted to your account in Canadian currency. |
| Over Limit Fee | $29.00 |
| Late Payment Fee | $0.00 |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | Yes |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age |
18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces. |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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