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As of June 2, 2022, TD Prime is 3.700%. 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 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 apply11. 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.
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 May 30, 2022 unless otherwise indicated and subject to change.
1 As of June 2, 2022, TD Prime was 3.70% so preferred rates range from 9.2% to 17.45%. Preferred variable annual interest rate is TD Prime rate (TD Prime) +5.50%, TD Prime +7.25%, TD Prime +9.75%, TD Prime +11.25%, TD Prime + 12.75%, TD Prime +13.75% 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 25.99% 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 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges for TD Emerald Flex Card
Examples of Interest Charges for a 30-Day Billing Cycle | ||||
---|---|---|---|---|
Annual Interest Rate | Average Daily Balance | |||
$100 | $200 | $1,000 | ||
Purchases and Cash Advances(Tier 1) | TD Prime +13.75% | $1.33 | $2.66 | $13.32 |
Purchases and Cash Advances(Tier 2) | TD Prime +12.75% | $1.25 | $2.50 | $12.49 |
Purchases and Cash Advances(Tier 3) | TD Prime +11.25% | $1.13 | $2.25 | $11.26 |
Purchases and Cash Advances(Tier 4) | TD Prime +9.75% | $1 | $2.01 | $10.03 |
Purchases and Cash Advances(Tier 5) | TD Prime +7.25% | $0.80 | $1.59 | $7.97 |
Purchases and Cash Advances(Tier 6) | TD Prime +5.5% | $0.65 | $1.31 | $6.53 |
Purchases - Default Rate | 25.99% | $2.14 | $4.27 | $21.36 |
Cash Advances - Default Rate | 27.99% | $2.30 | $4.60 | $23.01 |
^ As of June 2, 2022, TD Prime was 3.70% so preferred rates range from 9.2% to 17.45%.
3 All 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
4 All 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.
6 Provided 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.
7 Provided 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.
8 TD 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.
9 Cash Advance is subject to available credit. Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.
10 Underwritten 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”).
*Trademark of Visa International Service Association and used under license.
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.