Offer

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.

Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.

Save on interest with a low annual interest rate of 12.90%^† (13.90%^† in Quebec) on Purchases and Cash Advance transactions.
Option to purchase Travel Medical Insurance^† and Trip Cancellation/Trip Interruption Insurance^†.
Earn 50% more Stars at participating Starbucks^® stores. Conditions apply.

Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay^† or Samsung Pay^†. It's an easy and secure way to pay.

Fees & Conditions

Personal Income $0

Household Income $0

Annual Fee $25

First Additional Card $0

Other Additional Card $0

Foreign Transaction Fee 2.5%

Purchase Rates 12.90%

Cash Advance Rates 12.90%

Balance Transfer Rates 12.90%

Purchase Rate (QC) 13.90%

Cash Advance Rate (QC) 13.90%

Balance Transfer Rates (QC) 13.90%

Insurance

Travel Insurance

Travel Medical Insurance

Travel medical insurance up to 54 years old

Travel medical insurance up to 64 years old

Travel medical insurance 65+

Trip Cancellation Insurance

Trip Interruption Insurance

Common Carrier Travel Accident Insurance

Flight Delay Insurance

Delayed Baggage Insurance

Lost/Stolen Baggage Insurance

Auto Rental Loss/Insurance

Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Extended Warranty

Purchase Protection

Mobile Device Insurance

Price Protection

Our review

The TD Low Rate Visa* Card helps you save with a competitive annual interest rate of 12.90%^† (13.90%^† in Quebec) on purchases and cash advances.

Take advantage of the current promotional offer with a 0% interest rate on purchases for the first six months^† after account opening — making it one of the top low-rate credit cards in Canada.

As a cardholder, you have access to optional travel medical insurance^† and trip cancellation/interruption insurance^†, plus you can earn 50% more Stars at Starbucks®.

The card is also compatible with Apple Pay^† and Samsung Pay^†.

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