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TD Emerald Visa* Card


Call 1-800-983-8472

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Apply for a TD Credit Card

Great value with
a low interest rate

Help reduce your interest on monthly balances and get convenient access to credit when you need it.

secure login How to Apply

  • Fees: Annual $25 - Authorized User Cards1 Free
  • Interest: TD Prime + 1.50% p.a up to TD Prime +12.75%p.a2

Is this card right for you?

A good choice if:

  • You want to save on interest at a preferred low variable interest rate on both purchases and cash advances
  • 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

Before you apply let's make sure you are eligible.

To qualify for this card you must:

  • Be a Canadian citizen.
    New to Canada? TD offers banking products for newcomers!
  • Have reached the Age of Majority in your province or territory. ?
    Province/Territory Age of Majority
    Alberta 18
    British Columbia 19
    Manitoba 18
    New Brunswick 19
    Newfoundland & Labrador 19
    North West Territories 19
    Nova Scotia 19
    Nunavut 19
    Ontario 18
    Prince Edward Island 18
    Quebec 18
    Saskatchewan 18
    Yukon Territories 19

Are you a student? TD has credit cards to help meet your needs.

Additional card details:

  • A minimum Credit Limit of $1,000 ($1,000 for students) may apply.
  • Also available as a secured TD Credit Card.

secure login How to Apply

A man and a woman sitting across from each other on a patio, eating pizza

Enjoy great included benefits and valuable features

Greater flexibility is possible with the low interest rate
TD Emerald Visa Card.

Ways to Apply

A map of TD branches and Green Machines

Locate a branch

By Address, Intersection, City, Postal Code OR by Branch Number

Smiling TD Customer Service Representatives

Contact us

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

1-800-983-8472 or email us

A map of TD branches and Green Machines

Apply for a secured Card

Secured credit cards can be a great way to help rebuild your credit.
Locate your local TD Canada Trust branch where you can find out more.

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

A map of TD branches and Green Machines

Establish your credit

If you are new to Canada a TD Credit Card can be a great way to help establish your credit.
Locate your local TD Canada Trust branch where you can find out more.

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

Other Cards you might be interested in

Not sure which Card
is right for you?

Our Card Selector will help you choose.

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Travel Medical Insurance available for purchase3

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 expenses so you can enjoy your trip. Choose between Annual Plan coverage (the best value for frequent travelers) which includes Trip Interruption and Trip Cancellation coverages, or Per Trip coverage for occasional travelers.

No-fee travelers Cheques

  • American Express® travelers Cheques are welcomed at establishments around the world.
  • As a TD Credit Cardholder, you're entitled to purchase any amount you need through participating TD Canada Trust branches - without paying the standard commission fee.

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

  • When you need a vehicle for business or pleasure, you can save 5% to 25% off the lowest available discountable time and mileage retail rate on qualifying rentals.
  • This offer is valid at participating Avis® and Budget® locations worldwide when the rental is charged in full to your eligible TD Credit Card.

For these savings and to reserve your vehicle, visit



Optional TD Auto Club Membership6

Enjoy peace of mind on the road with:

  • Deluxe TD Auto Club Membership6 includes all the benefits of the Standard TD Auto Club Plan plus traffic accident towing, emergency transportation car rental, emergency accommodation and meals, hazardous weather services, and many other features.
          - $79 a year
  • Standard TD Auto Club Membership6 includes Emergency Road Services such as roadside assistance 24 hours a day, seven days a week.
          - $59 a year

Learn morepdf

Balance Transfers5,7

  • 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.

By Address, Intersection, City, Postal Code OR by Branch Number

24-hour Cash Advance and Account access8

  • With your TD Credit Card, and a Personal Identification Number (PIN), you have access to instant Cash Advances, subject to your available credit limit, at TD Canada Trust branches and any of the over 1 million automated teller machines (ATMs) worldwide.
  • You can call toll-free at 1-800-983-8472 whenever you want Account information or have questions regarding your TD Credit Card.
  • With your TD Credit Card and Personal Identification Number (PIN), you can access your TD Credit Card Account balance and activity, make payments and withdrawals, and access your TD Canada Trust bank accounts 24 hours a day, seven days a week.

Exclusive access to

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

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.

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 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.

Learn more

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.