TD Low Rate Visa Card
Low Interest

TD Low Rate Visa Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Get a 0% promotional interest rate on Purchases for the first 6 months.
Annual Fee $25
Purchase APR 12.90%
Cash Advance 12.90%

RateBuddy Verdict

The Good
  • Features an exceptional 0% introductory interest rate on purchases for your first 6 months, perfect for financing a large upcoming expense.
  • The standard ongoing interest rate is only 12.90% (significantly lower than the standard 20.99%), helping you save on interest if you regularly carry a balance.
  • Allows you to add supplementary cardholders to your account for absolutely $0.
The Trade-offs
  • Does not earn any cash back or travel rewards points on your daily spending.
  • Charges a $25 annual fee, whereas some competitors offer basic low-interest cards for $0 (though generally at slightly higher interest rates).
  • Completely lacks embedded credit card insurance like travel medical, trip cancellation, or car rental collision coverage.

Rewards & Earnings

Base Rate 0%
Rewards Summary: Base Earn: None; This card does not earn points or cash back. It is designed strictly for interest savings and financing purchases.

Welcome Bonus Details

Get a 0% promotional interest rate on Purchases for the first 6 months from Account opening.

Features & Benefits

Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)
Low Purchase Interest
12.90% ongoing rate on purchases and cash advances
Introductory 0% APR on Purchases
0% introductory interest rate on purchases for the first 6 months

Insurance Coverage

Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include embedded Travel, Medical, or Car Rental insurance benefits.

Rates, Fees & Eligibility

Purchase APR12.90%
Cash Advance APR12.90%
Annual Fee$25
Supplementary Card Fee$0
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Low Interest
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