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TD Emerald Flex Rate Visa Card®
Credit cards

TD Emerald Flex Rate Visa Card®

Updated 01.12.2022

About TD Emerald Flex Rate Visa Card

A TD Emerald Flex Rate Visa Card is a low-interest credit card with a low annual fee. Along with affordability, this credit card provides a range of benefits and discounts from TD partner integrations.

TD Emerald Flex Rate Visa Card features

A TD Emerald Flex Rate Visa Card features a low variable interest rate equal to the TD Prime rate plus a fixed part ranging from 4.50% to 12.75%. This variable rate applies to both purchases and cash advances. The annual fee for the primary cardholder is $25 and zero for additional cardholders (up to three additional cards).

The minimum credit limit for this credit card is $1,000.

A TD Emerald Flex Rate Visa Card provides a range of benefits from TD partner integrations, including:

  • Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.

  • Earning 50% more Stars at Starbucks locations

  • Purchasing TD Auto Club Membership and getting 24/7 access to emergency roadside assistance services 

A TD Emerald Flex Rate Visa Card is eligible for TD Payment Plans so that you can repay your purchases of $100 or more as manageable 6, 12, or 18-month Payment Plans with lower interest rates:

  • 4% for a 6-month plan

  • 6% for a 12-month plan

  • 8% for an 18-month plan

As for insurance coverages, a TD Emerald Flex Rate Visa Card has purchase security and extended warranty protection included. Purchase security insurance provides 90-day repair, replacement, or reimbursement coverage for lost, stolen, or damaged items purchased with your TD Emerald Flex Rate Visa Card. The extended warranty protection extends the original manufacturer’s warranty for items purchased with your TD Emerald Flex Rate Visa Card.

Pros and cons

Here are the definite advantages of a TD Emerald Flex Rate Visa Card:

  • A low $25 annual fee

  • A competitive variable interest rate

  • Free issuance of additional cards

  • Benefits from partner integrations

  • Eligibility for TD Payment Plans

  • Extensive insurance coverage

  • Contactless payment through digital wallets

  • No minimum annual income requirements to apply

Still, there are certain disadvantages to keep in mind:

  • The lack of cash back and reward-earning opportunities

  • The lack of exclusive benefits from Visa

  • Few insurance coverages included

How to apply for a TD Emerald Flex Rate Visa Card

Applying for a TD Emerald Flex Rate Visa Card is available online, by phone, or at your local TD branch. 

To proceed with an online application, click the “Apply online” button on the credit card description page. If you are a TD client already, sign in using your EasyWeb login credentials. If you are not a TD client yet, click the “Apply Online” button and fill out the application form with the following details:

  • Your province of residence

  • Your personal information (including your first name, middle name, last name, title, and date of birth)

  • Your social insurance number

  • Your phone number

  • Your email

  • Your address

  • Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)

  • Your gross annual personal income

  • Other household income

  • Your residential status (own, rent, live with parents, or board)

  • Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)

  • The credit limit you need

  • Whether you need to register additional cardholders

  • Whether you want to enroll in the TD Credit Card Payment Protection Plan

Once you provide the required information, accept the terms and conditions to complete your application.

There are no minimum annual income requirements to qualify for a TD Emerald Flex Rate Visa Card.

What interest rate will I get with a TD Emerald Flex Rate Visa Card?A TD Emerald Flex Rate Visa Card provides a variable interest rate equal to the TD Prime rate plus a fixed part that will constitute one of the following six fixed rate tiers: 4.50%, 6.25%, 8.75%, 10.25%, 11.75%, and 12.75%. The actual rate you will get will depend on your credit assessment.
What insurance coverages can I add to a TD Emerald Flex Rate Visa Card?In addition to the purchase security and extended warranty protection coverages included in a TD Emerald Flex Rate Visa Card, you can purchase travel medical insurance and trip cancellation and trip interruption insurance.
How to make a credit card payment?

You can make a credit card payment in any of the following ways:

  • Through your EasyWeb online banking account

  • Through the TD app

  • In person at your local TD branch

  • By mailing your payment to TD Bank

Rate
i

Effective interest rate on the product

4.50% - 12.75%

Other Credit cards of Toronto-Dominion Bank

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Amount
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$139 annual fee
TD® Cash Back Visa Card®Toronto-Dominion Bank
19.99% - 22.99%

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