Pros
—
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No purchase protection
Our Review
With the TD Low Rate Visa* Card, you can enjoy great financial flexibility for your everyday purchases.
Save on interest with a low annual interest rate of 12.90%† for residents outside Quebec and 13.90%† in Quebec on purchases and cash advances.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions Apply.
Enjoy all the benefits of your TD Low Rate Visa* Card when you use Apple Pay, Google Pay, or Samsung Pay†. These are easy and secure ways to pay.
Rewards
All Spending
0x
pts per dollar
Interest Rates
- Purchase Rate12.9%
- Cash Advance12.9%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Conditions Apply.
The Annual Fee Rebate applies only for the first year for the Primary Cardholder. To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must apply for, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
FAQ
What are the annual fees for the TD Low Rate Visa* Credit Card?
The TD Low Rate Visa* Credit Card has an annual fee of $25 for the primary cardholder and $0 for additional cardholders.
What is the interest rate for the TD Low Rate Visa* Credit Card?
The TD Low Rate Visa* Credit Card offers an annual interest rate of 12.90% on purchases and cash advances.
Is there a promotional interest offer with the TD Low Rate Visa* Credit Card?
Yes, the TD Low Rate Visa* Credit Card offers a promotional interest rate of 0% on purchases for the first 6 months after account opening.
Are there income requirements for the TD Low Rate Visa* Credit Card?
No, the TD Low Rate Visa* Credit Card has no minimum income requirement, only that you must be a Canadian resident and of legal age in your province.
Does the TD Low Rate Visa* Credit Card offer Starbucks benefits?
Yes, the TD Low Rate Visa* Credit Card allows you to earn 50% more Stars at participating Starbucks establishments.
What insurance does the TD Low Rate Visa* Credit Card offer?
The TD Low Rate Visa* Credit Card includes purchase security and extended warranty protection (90 days), plus options for medical and trip cancellation insurance.
Does the TD Low Rate Visa* Credit Card offer car rental discounts?
Yes, the TD Low Rate Visa* Credit Card offers at least 10% off at Avis and Budget in Canada/USA and 5% internationally.
Can I get cash advances with the TD Low Rate Visa* Credit Card?
Yes, the TD Low Rate Visa* Credit Card allows emergency cash advances of up to $500 depending on your available credit limit.
Does the TD Low Rate Visa* Credit Card support mobile payments?
Yes, the TD Low Rate Visa* Credit Card is compatible with Apple Pay, Google Pay, and Samsung Pay for easy and secure payments.
Who is the TD Low Rate Visa* Credit Card suitable for?
The TD Low Rate Visa* Credit Card is suitable for individuals with accumulated balances or those needing to finance larger purchases with a low interest rate.
Legal
†Terms and conditions apply.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.