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TD Emerald Visa* Card


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Great value with a low
interest rate

As of June 19th 2017, the TD Emerald
Visa* Card name will be updated to the
TD Emerald Flex Rate Visa* Card. If you have any questions about your Card's updated name and image please contact us at 1-800-983-8472.

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Annual Fees


Authorized Users

Free (up to 3)1


TD Prime +1.50%

up to TD Prime +12.75%2

Credit Limit

$1,000 minimum

Eligibility Requirements

Is this the right Card for you?

A good choice if:

  • You want to save on interest at a preferred low variable interest rate on Day to Day Purchases, Balance Transfers, and Cash Advances charged to your credit card
  • You want financial flexibility and access to credit at a low interest rate
  • You want purchasing convenience worldwide and instant access to cash
  • You want no Annual Fee for Authorized User Cards1

Benefits of this Card

TD Emerald Visa Card     is rated 3.8 out of 5 by 614.
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Rated 3 out of 5 by from Reasonable interest rate Interest rate use to be great. Even though our credit history is the same the rate has sky rocketed over the years. I also didn't like that the customer service was outsourced and on the odd occasion I had a question it was a nightmare getting an answer.
Date published: 2016-06-18
Rated 5 out of 5 by from Great & Simple If you use it like a debit card and pay it off right away its great and the interest rate is low too. I've had my TD Emerald Visa for 4 years now and I've never had a single issue with it. Its a great card for growing your credit score!
Date published: 2016-03-23
Rated 3 out of 5 by from Not many benefits in my opinion i believe i would want to cancel this card and use my others that offer more.
Date published: 2016-03-10
Rated 3 out of 5 by from With a bank I trust I chose this card because it had great interest rates. Unfortunately these rates have increased
Date published: 2016-01-25
Rated 3 out of 5 by from It's a card I got the card as it had the best rates of the cards I was offered.
Date published: 2015-12-09
Rated 5 out of 5 by from Never any problems with the card! Wheter purchasing on-line or in person the card has always worked 100%. No issues at anytime.
Date published: 2015-12-03
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ExpandAutomotive Features

Receive special automotive benefits that help you get from A to B.

Avis Rent-A-Car and Budget Rent-A-Car preferred rates4,5

  • Save 5% to 25% off the lowest available discountable time and mileage retail rate on qualifying car rentals from Avis and Budget when the rental is charged to your Card.
  • For Avis rentals, visit or call 1-800-879-2847 to reserve. Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation.
  • For Budget rentals, visit or call 1-800-268-2900 to reserve. Quote Budget Customer Discount (BCD) #A331700 at time of reservation .

Optional TD Auto Club Membership6

With optional Deluxe or Standard TD Auto Club Membership, you and your family will enjoy peace of mind knowing that in the event of a road emergency, help is just a phone call away. For information and to enroll, call 1-800-245-0297.

ExpandEveryday Services

Convenient services that make your banking experience more comfortable.

Balance Transfers7 at a preferred low variable interest rate

  • You can use our Balance Transfer service to consolidate your debts from other non-TD Credit Cards, quickly and easily to your TD Credit Card.
  • Just transfer the balance from your other credit cards to your Emerald Visa Card in real time.
  • By doing this you can keep track of your expenses with one monthly payment as opposed to multiple payments.

For more information, visit us at your nearest TD Canada Trust branch.

Search by Address, Intersection, City, Postal Code OR by Branch Number.

24-hour Cash and Account access8 at a preferred low variable interest rate

With your TD Emerald Visa Card, you have access to:

  • Instant Cash Advances, subject to your available credit limit, at over one million ATMs worldwide, at all TD Canada Trust branches and at select financial institutions around the world.
  • The flexibility and freedom to manage your Account, your way, through Green Machine ATMs, EasyWeb Internet banking, EasyLine telephone banking and your wireless phone – download the TD mobile app for immediate, secure access to TD's mobile banking service (

To register for EasyWeb or EasyLine, call 1-866-222-3456.

Exclusive access to

As a TD Credit Cardholder, you have exclusive access to so you can treat yourself to more.

Pre-Authorized Payments

For added convenience after you open your TD Credit Card Account, you can arrange to have your TD Credit Card payments automatically withdrawn from your bank account at any Canadian financial institution. Simply choose whether you want to make your Minimum Payment or pay your balance in full each month and your payment will be withdrawn from your personal chequing or savings account on the Payment Due Date.

Visa payWave* Technology

A secure and easy contactless payment system for small dollar purchases that's faster and more convenient than paying with cash. Visa payWave can be faster than using cash and most Visa payWave transactions take only seconds to perform. When prompted, simply wave your chip-enabled TD Visa Card in front of the merchant terminal displaying the Visa payWave logo. When you hear the "beep", you're done! If you would like a receipt, you can request one from the merchant.

Visa Checkout10

Visa Checkout is an easier way to pay online. Sign up for Visa Checkout, a service available from Visa that simplifies the online checkout process.10 It's available anywhere you see the Visa Checkout logo.

Learn more about Visa Checkout


No matter where you shop, make your transactions more secure.

Chip & PIN technology

  • TD Visa Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN).
  • A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.

Emergency Cash Advances8

You can ask for an emergency Cash Advance up to $500 for TD Emerald Visa Card (subject to your available credit limit).

Verified by Visa

Verified by Visa provides you with increased security when you shop online.

ExpandOptional Coverage

To help protect you from some of the really difficult times in life, optional coverage is available for purchase.

Optional Travel Medical Insurance3

Enjoy the security that comes with Travel Medical Insurance. When you're on a trip, the last thing you want to be concerned about is your medical coverage. Going out of province or country, Travel Medical Insurance covers you for eligible medical emergency expenses so you can enjoy your trip. Choose between Annual Plan coverage (the best value for frequent travellers) which includes Trip Interruption and Trip Cancellation coverages, or Per Trip coverage for occasional travelers.

Optional Balance Protection insurance9

Optional Balance Protection insurance products are designed to assist in managing your credit obligations on your TD Credit Card(s) in the event of your Involuntary Unemployment, Loss of Self-Employment Income, Disability Requiring Hospitalization, Total Disability, Dismemberment, Critical Illness or Death. To learn more about optional Balance Protection insurance products, call 1-866-315-9069 or visit

Ways to Apply

Special Applications

If you’re new to Canada, rebuilding your credit, or a student, we have special options just for you.

Find out more

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Contact us

Our banking specialists
are ready to answer any questions you might have.

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New to Canada?

If you arrived in Canada within the last two years, TD offers credit cards in addition to a banking package which includes the ability to apply for a credit card without having Canadian credit history.