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Side by Side Credit Cards Comparison
TD Low Rate Visa* Credit Card VSTD Rewards Visa* Card
Which one is better?
TD Low Rate Visa* Credit Card
4.1
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD Rewards Visa* Card
2.8
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
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.
Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
Welcome Bonus
- Earn 30,310 TD Rewards Points† (a value of $100 on Amazon.ca†) when you spend $1,500 within 90 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- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
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 Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks 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.
How to Earn Rewards
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants†
- Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
- Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included
Extended Warranty†
1 year
Purchase Protection†
90 days
Insurance Included
Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Mobile Device Insurance†
$1,000
Extra Benefits
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Extra Benefits
Extra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$25
Annual Fee
$0
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Expedia® For TD
0.5¢ / point
Travel
0.4¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
Statement Credits (Cash)
0.25¢ / point
Gift Cards
0.25¢ / point
Merchandise
0.225¢ / point
Is this card worth it?
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 rate is a nice benefit of this card.
Is this card worth it?
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
- Low annual fee
- Lower annual interest rate
Pros
- No annual fee
- Strong rewards
- Mobile device insurance
- Car rental discounts
Cons
- No rewards
Cons
- Low point value
- Limited insurance
Legal
†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.
†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.