TD Low Rate Visa* Credit Card

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TD Credit Cards with a Low Interest Rate

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Get a 0% promotional interest rate on Purchases for the first 6 months^lrplus from Account opening. Conditions Apply.

Annual fee $25^new121
Interest: Purchases 13.90%^UDIQEN16
Interest: Cash Advances 13.90%^UDIQEN16
Additional Cardholder¹ $0

Eligibility Requirements: You are a Canadian resident and are of the age of majority in your province/territory of residence.

Special offer

Get a 0% promotional interest rate on Purchases for the first 6 months⁺ from Account opening. Conditions Apply. Offer effective as of June 4, 2025.

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 13.90%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 Pay, Google Pay or Samsung Pay ⁶. 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 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 Protection³: You 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 ( ) 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 and Product Summaries (For Quebec Residents Only) for more details about insurance coverages.

Optional TD Credit Card Payment Protection Plan¹¹:
Optional TD Credit Card Payment Protection Plan insurance products are designed to help you make your TD Credit Card payments in the event of a covered Job Loss, Total Disability or Loss of Life.

To learn more about optional Payment Protection Plan or to enroll, call 1-800-294-8602 or visit td.com/BP.
Optional travel insurance: Travel Medical Insurance¹², Trip Cancellation and Trip Interruption Insurance¹³. Learn more and get a quote.

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Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	13.90%	$1.15	$2.29	$11.43
Cash Advances	13.90%	$1.15	$2.29	$11.43
Purchases - Default Rate	25.99%	$2.14	$4.28	$21.37
Cash Advances - Default Rate	27.99%	$2.31	$4.61	$23.01

TD Low Rate Visa* Card

Special offer

At a glance

More Card Benefits and Features

Find out more about our credit cards in Canada

Get started with my credit card

Use my credit card features

Get the most out of my Canadian credit card

How to Apply

Apply online

Call us

Book an appointment

Locate a branch

Have a question? Find answers here

Popular questions

Helpful related questions

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TD Low Rate Visa* Card

Special offer

At a glance

More Card Benefits and Features

Automotive Features

Security

Additional Benefits & Features

Everyday Services

Optional benefits

Find out more about our credit cards in Canada

Get started with my credit card

Use my credit card features

Get the most out of my Canadian credit card

How to Apply

Apply online

Call us

Book an appointment

Locate a branch

Have a question? Find answers here

Popular questions

Helpful related questions

Did you find what you were looking for?