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A low interest rate credit card has a rate of interest that is usually less than the typical interest rate of 19.99%. This means that less interest is charged if the balance is not paid in full on the payment due date. Whether you need a personal card or a business card with a low interest rate, we have an option for you. Use our “compare cards” option to find a low interest rate TD Credit Card in Canada that best suits your needs.
Save on interest to grow your business with confidence.
$0 Annual Fee
11.99% Interest: Purchases
11.99% Interest: Cash Advances
A balance transfer is when you move outstanding debt from one of your credit cards at another financial institution to your TD credit card. A balance transfer may help you manage your credit card debt.
A low interest rate credit card could be helpful if used to consolidate the outstanding balance from any high interest rate credit card you may have with another financial institution to the low interest rate credit card, to take advantage of the lower interest rate charges.
Annual interest rates, fees and features are current as of May 30, 2022 unless otherwise indicated and subject to change.
The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.
1 As of June 2, 2022, TD Prime was 3.70% so preferred rates range from 8.2% to 16.45%. Preferred variable annual interest rate is TD Prime + one of the following six fixed rate tiers: 4.50%; 6.25%; 8.75%; 10.25%; 11.75%; 12.75%, depending on your credit assessment. Visit https://www.tdcanadatrust.com/customer-service/todays-rates/td-prime/prime-rate.jsp for current TD Prime. Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.
2
Must apply by September 5, 2022. Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Primary Business Cardholder of the TD® Aeroplan® Visa* Business Card Account only after the first Purchase is made on the Account, within 90 days of Account opening. The “Primary Business Cardholder” means the individual who is issued the TD Aeroplan Visa Business Card with an Annual Fee of $149.
To receive an additional 20,000 Aeroplan Points ("Additional Bonus"), you must: (a) apply for a $149 Account between March 7, 2022 and September 5, 2022 and (b) have $5,000 in business purchases on $149 Account, including your first Purchase, within 90 days of Account approval. To qualify for a monthly bonus of 2,500 Aeroplan points ("Monthly Bonus") during the first 12 months after Account opening (up to a total maximum of 30,000 Monthly Bonus points), eligible TD® Aeroplan® Visa* Business Card Account Cardholders must have at least $5,000 in net purchases posted to their Account each month by the last day of each monthly billing period. Once you have earned 30,000 Monthly Bonus points during the first 12 months following Account opening, you will no longer be eligible for additional Monthly Bonus points. Purchases made during a billing period but posted after the end of that billing period will not count towards eligible spend for that month and count towards eligible spend for the next billing period. For example, if your monthly billing period is from April 15 to May 14, a purchase made on May 14 (transaction date) and posts on May 15 (posting date) will not count for eligible spend for that month and will count towards spend in the next month's billing period. If the April 15 to May 14 period was your 12th monthly billing period, then the purchase that was made on May 14 and posted on May 15 would not count toward this offer. Account must be in good standing. Please allow up to eight weeks for your bonus points to be awarded.
The Annual Fee rebate portion of the offer is applicable for the first year only, for the (i) Primary Business Cardholder, and the (ii) first 2 Additional Cards issued for the same business if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued for the same business if any, is for the first year only. Must apply between March 7, 2022 and September 5, 2022. The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within 2 monthly statements from the date of the charge. The full Annual Fee will be charged to the Primary Business Cardholder Account and the Additional Accounts (if applicable), after the first year.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonus points, the Additional Bonus points and the Monthly Bonus points awarded to any one person. Offers may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus points, Additional Bonus points and the Monthly Bonus points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus points, the Additional Bonus points, and the Monthly Bonus points to be credited to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business.
3 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.
Link with Starbucks Rewards Offer:
Reloading your Starbucks Card | 1 Star for every $1.00 Canadian Dollar spent when you Reload your registered Starbucks Card using your linked eligible TD Credit Card or your TD Access Card with Visa Debit. |
Making an Eligible Purchase through the Starbucks app: | 0.50 Star for every $1.00 Canadian Dollar spent when you add your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account and use it to pay through the Starbucks app (either by scanning it in person at the register or ordering ahead via mobile order and pay). To learn more about adding your eligible TD Credit Card or your TD Access Card with Visa Debit to your Starbucks Rewards account, visit Starbucks.ca/rewards . |
TD Rewards Visa Card | 1 TD point for every $1.00 in Eligible Purchases |
TD Platinum Travel Visa Card | 1 TD point for every $1.00 in Eligible Purchases |
TD First Class Travel Visa Infinite Card | 1.50 TD points for every $1.00 in Eligible Purchases |
TD Aeroplan Visa Platinum Card | 0.50 Aeroplan point for every $1.50 in Eligible Purchases |
TD Aeroplan Visa Infinite Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
TD Aeroplan Visa Infinite Privilege Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
TD Business Travel Visa Card | 3 TD points for every $1.00 in Eligible Purchases |
TD Aeroplan Visa Business Card | 0.75 Aeroplan point for every $1.00 in Eligible Purchases |
One Time Redemption | Redeem your TD points at any time for Stars in My TD Rewards as long as the eligible TD Credit Card Account linked to this Offer has a minimum of 700 TD points. |
Auto-redemption: |
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Contact | Details |
Starbucks | Online:
https://customerservice.starbucks.ca/ Online Chat: https://customerservice.starbucks.com/app/contact/ask/ By Phone: 1-800-782-72821-800-782-7282 |
TD Easy Line Telephone Banking For all other questions | Online:
TD.com
By Phone: 1-800-983-84721-800-983-8472 By Mail: TD Credit Cards P.O. Box 300 TD Centre Toronto, Ontario M5K 1K6 |
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
* Trademark of Visa International Service Association; Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).
All trade-marks are the property of their respective owners.
* Trademark of Visa International Service Association and used under license.
See Air Canada and Aeroplan trade-mark ownership details .
® Aeroplan and the Aeroplan logo are registered trademarks of Aeroplan Inc.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank