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As of April 14, 2022, TD Prime is 3.200%. Start the application process to find out which variable rate will apply to you based on your credit assessment.
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.
Earn 50% more Stars at participating Starbucks stores. Simply link your TD Emerald Flex Visa Card to your Starbucks® Rewards account. Conditions apply11. Learn more.
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 Flex Rate 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 TD Emerald Flex Rate Visa Card’s attractive low interest rate and low annual fee depends on TD’s current Prime Rate1. This interest rate is calculated by adding TD’s annual Prime Rate with one of the six fixed-interest rate tiers. The fixed-interest-rate tier that applies to you will depend on the results of your credit assessment. View TD’s ongoing Prime Rate.
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Annual interest rates, fees and features are current as of December 6, 2021 unless otherwise indicated and subject to change.
^INFORMATION YOU MUST READ TO HELP YOU UNDERSTAND YOUR PROMOTIONAL RATE OFFER:
The Promotional Interest Rate offer ("Promotional Rate") applies to new TD Emerald Flex Rate Visa* Card Accounts ("Account"). This offer is not available to customers who have activated and/or closed a TD Emerald Flex Rate Visa* Account in the last 6 months. After your Account is opened, the Promotional Rate of 6.49% applies to Purchases for the first 6 statement periods following the Account opening ("Promotional Rate Period"). The Promotional Rate does not apply to any Cash Advances. For Residents outside of Quebec: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to your annual interest rate of TD Prime + one of the following six fixed rate tiers: 4.50%; 6.25%; 8.75%; 10.25%; 11.75%; 12.75%. The fixed tier that applies to your Account will depend on your credit assessment and will be set out in your Disclosure Statement. The rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. Visit www.td.com/tdprime for current TD Prime rate. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 24.99%. For Quebec Residents only: At the end of the Promotional Rate Period, the Annual Interest Rate for Purchases will increase, and the remaining balance of the Purchase transactions will become subject to your annual interest rate of TD Prime + one of the following six fixed rate tiers: 5.50%; 7.25%; 9.75%; 11.25%; 12.75%; 13.75%. The fixed tier that applies to your Account will depend on your credit assessment and will be set out in your Disclosure Statement. The rate increase will happen on the first day of the first statement period that occurs after the expiry of the Promotional Rate Period. Visit www.td.com/tdprime for current TD Prime rate. You will lose the Promotional Rate if we do not receive the Minimum Payment before or on the Payment Due Date and before the date on which we prepare your next monthly statement twice within any 12 consecutive statement periods and your Annual Interest Rate for Purchases will increase to 25.99%. For all Accounts: In addition to missing your minimum payments on time as described in these terms and conditions, if you transfer your Account to a different TD Credit Card during the Promotional Rate Period, the Promotional Rate will no longer apply to the TD Credit Card to which you are transferring. Other conditions apply, see your Cardholder Agreement and Disclosure Statement for information about Promotional Offers. Offer may be changed, extended or withdrawn at any time, without notice.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
1As of April 14, 2022, TD Prime was 3.20% so preferred rates range from 7.7% to 15.95%. 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.
2Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
3All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling
4All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.
5 Please visit http://www.apple.com/ca/apple-pay/ for a complete list of Apple Pay-compatible devices and https://www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.
6Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.
7Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometre/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
8TD Auto Club provided by AXA Assistance Canada Inc., an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
9Cash Advance is subject to available credit. Fees apply to each Cash Advance and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.
10Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
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.
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
The Click to Pay icon () is a trademark owned by and used with permission of EMVCo, LLC.