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Discover your TD Emerald Flex Rate Visa* Card

To save or print a copy of this guide, download the PDF Welcome Guide.

Welcome to your new TD Emerald Flex Rate Visa* Card

Quick steps to getting started and making the most of your Card

  1. Register for EasyWeb Online Banking to access and manage your Account online and sign up for online statements or, if you prefer to bank by phone, call EasyLine® telephone banking at 1-866-222-3456.

  2. Learn how to add your Card to Apple Pay11Google PayTM,11 or Samsung Pay11 to make convenient, everyday payments with just a tap of your phone.

  3. Update your Card as the Primary Card on your favorite retail apps like auto-reloads, food delivery and transportation to enjoy convenience for your everyday purchases.

  4. Set up regularly recurring bill payments on your Account with participating merchants to save time and avoid late fees with bills paid automatically on their due dates.

  5. Download the TD app to view your Credit Card Account almost anywhere. Plus, you can bank at home, or on the go. Learn more.

Enjoy the value and convenience of:

  1. A preferred low variable annual interest rate based on your credit history

  2. Security and protection for your Card when you shop and travel

  3. Adding up to three Additional Cardholders to your Account with no Annual Fee

Add Additional Cardholders

Add up to three Additional Cardholders1 (no Annual Fee) to your Account (no additional credit approval required) and they will share the same purchasing convenience of the TD Emerald Flex Rate Visa* Card that you have.

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates2,3 in Canada and the U.S., and a minimum of 5% on the lowest available base rates2,3 internationally, on qualifying car rentals at participating Avis and Budget locations.

  • Avis: You can reserve your Avis car rental by visiting Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation and charge the full rental to your TD Emerald Flex Rate Visa* Card
  • Budget: You can reserve your Budget car rental by visiting Quote Budget Customer Discount (BCD) #A331700 at time of reservation and charge the full rental to your TD Emerald Flex Rate Visa* Card

Get the help you need with optional TD Auto Club Membership

With optional Deluxe or Standard TD Auto Club Membership4, you and your family will know that in the event of a road emergency, help is just a phone call away.

Explore the insurance coverage included with your TD Emerald Flex Rate Visa* Card

Shop confidently with Purchase Security and Extended Warranty Protection 5 , and learn about optional TD travel insurance coverages.

Purchase Security and Extended Warranty Protection

You automatically have access to Purchase Security and Extended Warranty Protection,5 which includes coverage for most eligible new items you’ve purchased with your Card:

  • Repair, replacement, or reimbursement should eligible items be lost, stolen or damaged within 90 days of purchase
  • Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer's warranty valid in Canada

Enhance your TD Emerald Flex Rate Visa* Card with optional benefits

You can add optional benefits and services to your TD Emerald Flex Rate Visa* Card that are suitable for you.

Optional TD Travel Insurance Coverages available to you
Travel Medical Insurance6

When you're travelling, the last thing you want to worry about is your emergency medical coverage. As a TD Emerald Flex Rate Visa* Cardholder, you have the option to purchase TD Travel Medical Insurance. You'll enjoy:

  1. Comprehensive emergency medical coverage up to $5 Million, if eligible, for when you are travelling outside of your province or territory, whether internationally or within Canada

  2. No out-of-pocket costs for eligible emergency medical expenses

  3. 24/7 emergency medical assistance

Trip Cancellation and Trip Interruption Insurance7

With Trip Cancellation and Trip Interruption Insurance, if due to a covered cause such as an illness, injury and more:

  • You need to cancel your trip, we'll help you recover your trip expense
  • You need to return home early, we'll cover the cost of your eligible return transportation

For information about Travel Medical Insurance, or Trip Cancellation and Trip Interruption Insurance, and how to enroll, click here or call 1-800-293-4941.

Be prepared with optional TD Credit Card Payment Protection Plan8

Optional Payment Protection Plan is designed to help pay down the outstanding balance on your TD Emerald Flex Rate Visa* Card in the event of your Job Loss, Total Disability, or Loss of Life.

To learn more about optional Payment Protection Plan or to enroll, call 1-866-315-9069 or visit

Enjoy the convenience of your TD Emerald Flex Rate Visa* Card

Discover all the features that make using your Card more convenient every day, from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

  1. If your TD Credit Card is damaged or not working, you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at 1-800-983-8472.

  2. If your TD Credit Card has been lost or stolen, you must immediately report this to us by phone at: 1-800-983-8472.

  3. Fast, reliable access to cash. You can ask for an emergency Cash Advance of up to $500 in emergency funds (subject to your available credit limit), at over one million ATMs worldwide, at all TD Canada Trust branches and at select financial institutions around the world.

  4. Getting information when you need it. The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

Ways to Pay

Mobile Wallets are accepted by many shops, restaurants, and retailers, making it a convenient and easy way to pay for everyday purchases with just a tap of your phone11.

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa Card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay  icon where Visa is accepted.

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC. 

Manage your Account, your way

Balance Transfers

Consider consolidating any higher-rate non-TD credit card balances you may have to your TD Emerald Flex Rate Visa* Card Account through a Balance Transfer10. By transferring your balances you can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of consolidating your balances to your TD Emerald Flex Rate Visa* Account.

For more information, visit us at your nearest TD Canada Trust branch or call 1-800-983-8472.

Explore your TD Emerald Flex Rate Visa* Card fraud security features

Protecting the security of your Card should always be a priority. That’s why your TD Emerald Flex Rate Visa* Card comes with features that help protect you when you shop online and in-person.

Security Features

  1. 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.

  2. Shop with confidence with chip & PIN technology. Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

  3. Lock or unlock your Card. Feel more confident if you misplace your credit card by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

Personal Identification Number (PIN) Security Tips

  • Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday
  • Never write down your PIN.
  • Protect your PIN and use your hand or body to shield the keypad when you enter your PIN. .
  • Never let anyone else know or use your PIN or use your Card.
  • Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7 at any TD Canada Trust Green Machine (ATM).

Fraud Protection (24-hour)

Our protection measures help protect you from credit card fraud. In the event that we detect unusual activity relating to your Account:

  1. You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD Emerald Flex Rate Visa* Card or Account.

  2. During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

  3. Your Card may be temporarily blocked until we can contact you for verification.

  4. 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. Learn more.

More about your TD Emerald Flex Rate Visa* Card