TD Low Rate Visa Card review
A credit card from TD Bank, compared on fees.
Credit card- 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
- Annual fee
- $25
- Interest rates
- 12.90% / 12.90% Purchase / cash advance
- FX fee
- Check issuer
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
Rates & fees
| Annual fee | $25Additional Cardholder: $0 (maximum of 3). Promo applies to Purchases only (not Cash Advances or Balance Transfers); after it ends, Purchases go to 12.90% (13.90% for Quebec residents). First-year annual fee rebate requires you to apply, activate and make a first Purchase within 3 months of Account opening. Balance Transfers are treated as Cash Advances. Standard rate of 24.99% on Purchases or 27.99% on Cash Advances applies if the Minimum Payment is missed twice within 12 consecutive statement periods. |
|---|---|
| Monthly equivalent | $2.08 |
| Foreign transaction fee | Check issuer |
| Purchase interest rate | 12.90% |
| Cash advance rate | 12.90% |
| Balance transfer rate | 12.90% |
| Network | Visa |
Insurance coverage
- Purchase Security and Extended Warranty Protection: eligible new items covered if stolen or damaged within 90 days; manufacturer's warranty doubled for up to 12 additional months
- Included
Perks & benefits
- Save a minimum of 10% off the lowest available base rates in Canada and the U.S. (5% internationally) at participating Avis and Budget locations
- Earn more Starbucks Stars at participating Starbucks stores (conditions apply)
- Emergency Cash Advance up to $500 (subject to available credit)
- TD Payment Plans: turn purchases of $100 or more into 6, 12 or 18 month plans
- Visa Zero Liability, Chip & PIN, Visa Secure and TD Fraud Alerts
- Option to purchase Travel Medical, Trip Cancellation/Trip Interruption insurance and TD Auto Club membership
How it compares
- 41 of the 109 credit cards we track cost less per year, and 67 cost more.
Side by side with similar picks
| Credit cardTD Low Rate Visa Card | Capital One Guaranteed Mastercard | Capital One Guaranteed Secured Mastercard |  Walmart Rewards Mastercard | |
|---|---|---|---|---|
| Annual fee | $25 | $0 | $0 | $0 |
| FX fee | Check issuer | Check issuer | Check issuer | Check issuer |
| Rewards rate | — | — | — | 1% - 3% |
| Purchase interest | 12.90% | 29.90% | 29.90% | 21.99% |
| 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 | — | — | $25 in Walmart Reward Dollars |
| Offered by | TD Bank | Capital One | Capital One | Fairstone Bank of Canada |
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Frequently asked questions
Does the TD Low Rate Visa Card have an annual fee?
Yes. The TD Low Rate Visa Card has an annual fee of $25, about $2.08 a month. Additional Cardholder: $0 (maximum of 3). Promo applies to Purchases only (not Cash Advances or Balance Transfers); after it ends, Purchases go to 12.90% (13.90% for Quebec residents). First-year annual fee rebate requires you to apply, activate and make a first Purchase within 3 months of Account opening. Balance Transfers are treated as Cash Advances. Standard rate of 24.99% on Purchases or 27.99% on Cash Advances applies if the Minimum Payment is missed twice within 12 consecutive statement periods..
What is the TD Low Rate Visa Card 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.
What is the interest rate on the TD Low Rate Visa Card?
12.90% on purchases and 12.90% on cash advances. You can avoid purchase interest by paying your full statement balance by the due date.
Rates, fees and offers come from TD Bank’s published terms and can change at any time. Confirm the current terms with TD Bank before applying. CreditLab may earn a commission from partner links; this never changes the facts we show. See our methodology.