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At a Glance

Feel prepared, even during uncertain times. The TD Emerald Flex Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.

  • 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 Insurance3 and Trip Cancellation and Trip Interruption Insurance4
  • Earn 50% more Stars at participating Starbucks® stores. Conditions apply. Learn more.
  • Enjoy all of the benefits of your TD Emerald Flex Rate Visa* Card using Apple Pay, Google Pay or Samsung Pay. It's an easy and secure way to pay5.

More Card Benefits and Features

  • Save with Avis Rent A Car and Budget Rent A Car. Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates6,7 in Canada and the U.S., and a minimum of 5% off the lowest available base rates6,7 internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Optional TD Auto Club Membership8

  • 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).
  • Click to Pay
    Paying online with your TD Visa card is easy, smart and secure. Just click to pay with your TD Visa when you see this icon ( ) where Visa is accepted.
  • 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 Emerald Flex Rate Visa* Card, or on any Additional Cardholder's Card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile Learn more.
  • Purchase Security and Extended Warranty Protection10: 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.
  • Manage your credit card in the TD app
    Set transaction limits, block international purchases or lock your credit card. Learn more.

Review the Benefit Coverages Guide for more details.

  • Earn big rewards on the little things
    Earn 50% more Stars at participating Starbucks stores. Simply link your TD Emerald Flex Visa Card to your Starbucks® Rewards account. Conditions apply. Learn more.
  • TD Payment Plans
    Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply. Learn more.

  • Use Apple Pay, Google Pay or Samsung Pay wherever contactless 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 business payments with just a tap of your device.
  • Emergency Cash Advances9 You can ask for an emergency Cash Advance up to $500 for the TD Emerald Flex Rate Visa* Card (subject to your available credit limit).

Find out more about our credit cards in Canada

Have a question? Find answers here