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TD Emerald Flex Rate Visa* Card


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Apply for a TD Credit Card
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Great value with a low
interest rate

Annual Fee


Authorized Users

No annual fee1


TD Prime +1.50%

up to TD Prime +12.75%2

Credit Limit

$1,000 minimum

Eligibility Requirements

Is this the right Card for you?

A good choice if:

  • You want to save on interest at a preferred low variable annual interest rate
  • You want to enjoy the same low interest rates on all your Purchases and Cash Advance transactions
  • You want the option to purchase Travel Medical Insurance3 and Trip Cancellation/Trip Interruption Insurance4
  • You want to enjoy all of the benefits of your TD Emerald Flex Rate Visa* Card using Apple Pay. It's the easy, secure, and private way to pay.5

Benefits of this Card

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ExpandAutomotive Features

Receive special automotive benefits that help you get from A to B.

Save with Avis Rent A Car and Budget Rent A Car

Use your TD Credit Card to save a minimum of 10% off the lowest available base rates6,7 in Canada and the U.S., and a minimum of 5% off the lowest available base rates6,7 internationally, on qualifying car rentals at participating Avis and Budget locations.

Optional TD Auto Club Membership8

ExpandEveryday Services

Convenient services that make your banking experience more comfortable.

Use Apple Pay wherever contactless payments are accepted

Apple Pay is accepted in a growing number of shops, restaurants, and plenty of other retailers. Many apps have also added Apple Pay to their accepted methods of payment. Just look for the Apple Pay or contactless payment symbols at the check-out.

Emergency Cash Advances9

You can ask for an emergency Cash Advance up to $500 for the TD Emerald Flex Rate Visa* Card (subject to your available credit limit).

Visa Checkout*10

Visa Checkout is an easier way to pay online. Sign up for Visa Checkout, a service available from Visa that simplifies the online checkout process.10 It's available anywhere you see the Visa Checkout logo.


No matter where you shop, make your transactions more secure.

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.

Chip & PIN technology

TD Visa Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN).

Visa payWave* Technology

Visa payWave Technology is the secure, convenient, “contactless” way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash.

Verified by Visa*

Verified by Visa provides you with increased security and convenience when you shop online.

Ways to Apply

Special Applications

If you’re new to Canada, rebuilding your credit, or a student, we have special options just for you.

Find out more

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Contact us

Our banking specialists
are ready to answer any questions you might have.

or email us

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By Address, Intersection, City, Postal Code OR by Branch Number.

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New to Canada?

If you arrived in Canada within the last two years, TD offers credit cards in addition to a banking package which includes the ability to apply for a credit card without having Canadian credit history.