Working hard in the background...
TD Low Rate Visa* Credit Card 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 rate is a nice benefit of this card.
APPLY NOW
on TD's website
Welcome Bonus
0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply.
Rewards Rate
N/A
Annual Fee
$25
Interest Rates
12.90%□ / 12.90%□
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. Conditions Apply. Offer effective as of June 4, 2025.
Card Details
Interest Rates
Purchase APR
12.90%□
Cash Advance APR
12.90%□
□ Quebec rates: Purchase 13.90%, Cash advance 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
APPLY NOW
on TD's website