Get the lowest credit card interest rate available in Canada for those with a stellar credit history.

Annual Fee
$25
Extra Card Fee
$0
Card Type
Credit
Purchase
8.45%
Cash Advance
8.45%
Balance Transfer
8.45%
Personal Income
N/A
Household Income
N/A
Canadian resident who has reached the provincial age of majority.

¹ Preferred variable annual interest rate is TD Prime rate (TD Prime) + 4.50%, TD Prime +6.25%, TD Prime +8.75%, TD Prime +10.25%, TD Prime + 11.75%, TD Prime +12.75% depending on your credit assessment. As of October 25, 2018 TD Prime was 3.70% so preferred rates range from 7.95% to 16.2%. Visit http://www.tdcanadatrust.com/customer-service/todays-rates/td-prime/prime.jsp for current TD Prime. Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received within 30 days of Payment Due Date.

² All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941, or visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Travel Medical Insurance that is automatically included with other TD Credit Cards.

³ All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions, then the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.

⁴ Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

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Review of the TD Emerald Flex Rate Visa

The TD Emerald Flex Rate Visa is one of the best low interest rate cards on the market (for those of you who have excellent credit).

With the ability to get an impressively low interest rate, this card could save you hundreds (if not thousands) in interest payments depending on two things:

The TD Emerald Flex Rate Visa gives you an interest rate that is between Prime + 4.50% and Prime + 12.75%. The interest rate that TD Bank gives cardholders is based on their credit score. If your credit score is excellent, you will most likely get an excellent interest rate.

The best part? That low rate is permanent and is the same for purchases and cash advances alike.

There is no minimum income requirement for this card and has a very low annual fee of only $25, so, if you are someone who often has a balance on your credit card, then you should be strongly considering picking up this card.

As a small added bonus, you'll also get discounts at AVIS and Budget Rent-A-Car locations worldwide.

The downsides

Somethings to keep in mind:

  1. If you don't have the best credit, there might be a better low interest card out there for you - so be sure to do your research.
  2. There is no insurance included, so if that is something you're looking for, this might not be the card for you.
  3. This card does not allow you to earn rewards, but there are low rate cards out there that do. Check out the Best Low Interest Rate credit cards to find the best one for you.
  4. TD has the final say on what interest rate they give you, and even if you have great credit you still may not end up with the best rate.

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