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TD Emerald Flex Rate Visa review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
11.7% ‐ 19.95% (Variable)
Interest Rate: Purchases
11.7% ‐ 19.95% (Variable)
Balance Transfer
11.7% ‐ 19.95% (Variable)
Balance Transfer
11.7% ‐ 19.95% (Variable)
Signup Bonus
Signup Bonus

Informr score
The TD Emerald Flex Rate Visa currently has an Informr score of 8 out of 10. This score is based on our evaluation of 3 sources including reviews from users and the web's most trusted critics.

Am I eligible?

TD Emerald Flex Rate Visa is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The TD Emerald Flex Rate Visa Card is a no-frills card that will give you a low interest rate based on your credit score. It costs $25 per year and comes with optional benefits like travel insurance and roadside assistance (which you can add on for a fee).

- Claire Horwood, Finder
My Rate Compass
My Rate Compass

This card is perfect for Canadians with good to very good credit who frequently carry a credit card balance. If your credit is good enough to receive the lowest 6.95% interest rate, you could save a substantial amount of money in interest payments by switching to this card.

- My Rate Compass

The TD Emerald Flex Rate Visa gives you an interest rate that is between Prime + 1.50% and Prime + 12.75%. The interest rate that TD Bank gives cardholders is based on their credit score. If your credit score is excellent, you will most likely get an excellent interest rate.

- creditcardGenius


Interest Rates
Regular APR Interest Rate 11.7% ‐ 19.95% (Variable)
Balance Transfer Interest Rate 11.7% ‐ 19.95% (Variable)
Cash Advance Interest Rate 11.7% ‐ 19.95% (Variable)
Rates & Fees
Annual Fee $25.00
Balance Transfer Fee 3%


Cash Advance Fee 1%

Minimum of $3.50, maximum of $10.00

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount Yes
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age

18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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