TD Emerald Visa* Card Great value with a preferred variable interest rate and low annual fee
Your Card offers you…
Savings with a preferred variable interest rate
Flexibility and convenient access to funds
A preferred variable interest rate helps make interest payments more affordable if you need to carry a balance.
Great value with a preferred variable interest rate
Reduce interest payments on monthly balances: Save money on interest with a preferred variable interest rate that fluctuates with TD Prime. If you would like to find out what your individual interest rate would be, please call us toll-free at 1-877-247-2265.
The preferred variable annual interest rate is TD Prime + 1.50%, TD Prime +3.75%, TD Prime +7.75%, TD Prime +9.25%, TD Prime + 10.75%, TD Prime +12.75% depending on your credit assessment. As of December 1, 2014, TD Prime was 3% so current preferred rates range from 4.50% to 15.75%. Standard Rate of 21.0% applies (Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances effective March 31, 2015) if your Minimum Payment is not received within 30 days of your Payment Due Date.
Great financial flexibility and convenience
Use your Card for your daily needs, large purchases and balance transfers and know that you can save on interest if you carry a balance.
Free Authorized User Cards1
Add Authorized User Cards to your Account for up to three friends or family members at no charge. Learn more.
1 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User.
Your TD Emerald Card has a variety of features and benefits for you to enjoy…
such as the Visa Zero Liability policy, 24-hour instant cash and account access, worldwide acceptance and more. Learn more.
Enjoy great savings and a preferred variable interest rate
With a preferred variable interest rate, low annual fee and convenient access to credit when you need it.
A preferred low variable interest rate that applies to both Purchases and Cash Advances and that is determined based on your credit history. If you regularly carry balances on your credit cards, you could reduce your monthly interest charges with the TD Emerald Visa Card. Choose the TD Emerald Visa Card and save money on interest with a preferred variable interest rate that fluctuates with TD Prime.
If you would like to find out what your individual interest rate would be, please call us toll-free at 1-877-247-2265.
The preferred variable annual interest rate is TD Prime + 1.50%, TD Prime + 3.75%, TD Prime + 7.75%, TD Prime + 9.25%, TD Prime + 10.75%, TD Prime + 12.75%, depending on your credit assessment. As of April 1, 2013, TD Prime was 3% so current preferred rates range from 4.50% to 15.75%. Standard Rate of 21.0% applies if your minimum payment is not received within 30 days of your Payment Due Date.
Reduce interest payments on monthly balances
A preferred variable interest rate can help make your interest payments more affordable when you need to carry a balance.
Use your Card for your daily needs, large purchases and balance transfers
Save on car rentals at Avis2 and Budget3
Save 5% to 25% on qualifying rentals charged to your Card at Avis and Budget.
Avis and Budget car rentals: Save 5% to 25% off the lowest available discountable time and mileage retail rate on qualifying rentals charged to your Card.
Optional TD Auto Club Membership4
With this optional service, help is a call away in the event of a road emergency. Learn more.
Access special discounts and exclusive deals
As a TD Credit Cardholder you have exclusive access through tdrewards.com to special deals on merchandise and gift cards from major retailers.
From electronics to appliances to fashion and more, browse the wide range of shopping choices and discounts available from retailers through tdrewards.com, with merchandise shipped anywhere in Canada. Learn more.
2 Provided by Avis Rent A Car System LLC. Program terms are subject to c hange without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
3 Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
4 Auto Club Membership provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
A range of insurance options is available to provide additional security.
Optional Travel Medical Insurance5
To help you avoid the consequences of unforeseen events, your TD Emerald Visa Card offers you the security of optional Travel Medical Insurance. Learn more.
Optional Balance Protection insurance6
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, total disability, dismemberment, critical illness or death. To learn more about optional Balance Protection insurance products or to enroll, call 1-866-315-9069. Learn more.
5 All TD Canada Trust customers, including TD Canada Trust Credit Cardholders, are eligible to apply for Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical claims assistance, claims payment and administrative services are provided by our Administrator. This insurance is subject to exclusions and limitations that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased at any branch, or call 1-800-293-4941 or visit tdcanadatrust.com
6 Life, Accidental Death and Critical Illness coverages are underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Involuntary Unemployment, Total Disability and Disability Requiring Hospitalization coverages are underwritten by American Bankers Insurance Company of Florida (ABIC). Dismemberment coverage is underwritten by TD Life Insurance Company (TD Life). TD Canada Trust receives a fee from each insurer with respect to premium collection. TD Life acts as administrator for ABIC/ABLAC and neither company has an equity interest in the other. TD Canada Trust does not act as an agent for TD Life, its wholly-owned subsidiary. Complete terms of coverage are on the Certificate of Insurance you will receive upon enrollment. Limitations and exclusions apply, and vary by benefit.
What is the CVV?
CVV stands for Credit Card Validation (or Verification) Value. Visa has a version of the CVV to reduce merchant risk in Card-Not-Present
transactions (like Internet, telephone or mail-order). The CVV code adds assurance that the consumer
placing the order has access or physical possession of the credit card itself. The CVV is a 3 digit number embossed or
imprinted on the reverse side of Visa cards.
Where do I find the CVV? For Visa the 3 digit CVV number is printed on the signature panel on the back of the
card immediately after the card's account number.