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Pros & Cons

Pros

Cons

  • Foreign Transaction Fee (2.5%)
  • No purchase protection

Our Review

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 residents outside Quebec and 13.90% in Quebec on purchases and cash advances.

  • Option to purchase Travel Medical Insurance and Trip Cancellation/Trip Interruption Insurance.
  • Earn more Starbucks Stars at participating Starbucks® stores. Conditions Apply.

Enjoy all the benefits of your TD Low Rate Visa* Card when you use Apple Pay, Google Pay, or Samsung Pay. These are easy and secure ways to pay.

Rewards

All Spending

0x

pts per dollar

Interest Rates

  • Purchase Rate
    12.9%
  • Cash Advance
    12.9%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

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. Conditions Apply.

The Annual Fee Rebate applies only for the first year for the Primary Cardholder. To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must apply for, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.