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TD Low Rate Visa* Credit Card (QC) Review
The Bottom Line
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest and balance transfer rates are a nice benefit of this card.
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on TD's website
Welcome Bonus
0% promotional interest rate on Purchases† and 1.99% on Balance Transfers†. Conditions Apply.
Rewards Rate
N/A
Annual Fee
$25
Interest Rates
13.90% / 13.90
Rewards
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%† for 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.
Insurance
Coverage
Purchase Protection†
90 days
Extended Warranty†
1 year
Benefits
Details
Extra points†
Earn 50% more Stars at participating Starbucks stores
Eligibility
Credit Score
FairAnnual Income
N/A
*†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Welcome Bonus Details
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and 0% on Balance Transfers† with a 1.5% Balance Transfer Fee† for 6 months on transfers completed within 60 days of Account opening†. Conditions Apply.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
You could get a low 1.99% promotional interest rate on Balance Transfers ($250 minimum). Promotional Balance Transfer must be made within 60 days after the Account is opened, and the promotional rate will apply for 6 months. After 6 months, any unpaid balance will be subject to the interest rate of 13.90%. (No Balance Transfer Fee). To take advantage of the promotional Balance Transfer offer, please visit your nearest TD Canada Trust branch or call us at 1-855-241-4818. Online transfers are ineligible for this offer and will be charged at the standard rate.
Card Details
Interest Rates
Purchase APR
13.90%
Cash Advance APR
13.90
Fees
Annual Fee
$25
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Fair
Type
Card Type
Credit
Reward Type
None
Pros & Cons
Pros
- Lower annual interest rate compared to most cards
Cons
- No rewards
- Small annual fee
TD Low Rate Visa* Credit Card (QC)
3.8
FinlyWealth Rating
on TD's website