$20 GeniusCash + 0% promotional rate on new purchases for the first 6 months.*
Pros & cons
Pros
- 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.
- 12.90% interest rate on purchases, balance transfers, and cash advances.
Cons
- No rewards on purchases.
- Limited insurance included.
Your rewards
$20 GeniusCash offer
On approval, receive $20 GeniusCash on us when you apply for TD Low Rate Visa Card using this offer page.
GeniusCash offer expires on Oct 31, 2025.
Details and eligibility
- Estimated Credit Score
- 560 - 659
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $25.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 12.90%
- Cash Advance
- 12.90%
- Balance Transfer Δ
- 12.90%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
TD Low Rate Visa Card's 3.2 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from TD
GC: $100
GC: $25
TD Low Rate Visa Review
The TD Low Rate Visa Card 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:
- your credit score, and…
- how much of a balance you usually have on your card.
The TD Low Rate Visa Card gives you an interest rate of 12.90% on purchases, cash advances, and balance transfers.
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:
- 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.
- 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.
User review
Reviewed by 1 Canadian
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Yeah it's great for a better day! Balance transfer your way to save today! Give love where it is due and hope low interest is saving you!
