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At a glance

Feel prepared, even during uncertain times. The TD Low 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 with a low annual interest rate of 12.90%2 for Purchases and Cash Advance transactions.
  • Option to purchase Travel Medical Insurance4 and Trip Cancellation/Trip Interruption Insurance5.
  • Earn 50% more Stars at participating Starbucks® stores. Conditions apply. Learn more.
  • Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay6, Google pay6 or Samsung Pay6. It's an easy and secure way to pay.

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 rates7,8 in Canada and the U.S., and a minimum of 5% off the lowest available base rates7,8 internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Option to purchase a TD Auto Club Membership9 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

  • 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.
  • Purchase Security and Extended Warranty Protection3You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
  • Chip & PIN technology: Chip & PIN technology provides 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 ( click to pay ) where Visa is accepted.
  • 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 Low 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.

Review the Benefit Coverages Guide for more details.


  • Earn big rewards on the little things
    Link your TD Card with your Starbucks® Rewards account and earn 50% more Stars at participating Starbucks stores. 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.

  • Use Apple Pay6 or Samsung Pay6 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 purchases with just a tap of your device.
  • Emergency Cash Advances10 You can ask for an emergency Cash Advance up to $500 for the TD Low Rate Visa* Card (subject to your available credit limit).

Find out more about our credit cards in Canada


How to Apply

  • Apply online

    Complete an online application and receive an instant response

  • Call us

    Our banking specialists are ready to answer any questions you may have

    1-855-315-4325 1-855-315-4325
  • Book an appointment

    Meet with a banking specialist in person at the branch closest to you

  • Locate a branch

    Speak with a banking specialist at the branch closest to you

Have a question? Find answers here