How to Apply TD Emerald Flex Rate Visa Card

In the ever-evolving world of financial products, TD continues to lead with offerings tailored to the diverse needs of its customers. The TD Emerald Flex Rate Visa* Card stands out as a testament to this commitment, offering flexibility and features that cater to the modern cardholder. The TD Emerald Flex Rate Visa* Card is a great choice if you have an excellent credit score and are interested in a reduced interest rate on purchases that qualify for the discount. Now, before we dive into this article to explore the unique benefits and potential of this innovative credit card offering from TD, let’s take a quick look at TD as a banking Institution.

TD Bank background and profile

The Toronto Dominion Bank, commonly known as TD, stands as a testament to over a century of banking excellence, innovation, and customer commitment. With its roots deeply embedded in the 19th century, TD has evolved from two separate banking entities to one of North America’s top 10 banks. Let’s delve into the illustrious journey of TD.

Historical Roots

• The Bank of Toronto (1855): Founded by a group of millers and merchants, this bank was instrumental in providing financial services to Canada’s burgeoning grain industry.
• The Dominion Bank (1869): Established with a vision to support nation-building projects, it marked its presence with its first branch in 1871. By the turn of the 20th century, it had expanded its reach internationally, with offices in prominent cities like London and New York.

Growth and Expansion

• Early 20th Century: Both The Bank of Toronto and The Dominion Bank expanded their footprint across Canada. By 1920, The Bank of Toronto boasted 161 branches.
• Challenging Times: The adversities of the Great Depression and the world wars did little to deter these banks. They continued to expand their branch networks throughout the 1940s and 1950s.
• Amalgamation (1954): In a landmark decision, The Bank of Toronto and The Dominion Bank merged, birthing TD. With 499 branches, the newly formed entity adopted a customer-centric approach, setting the tone for the future.

Innovation and Acquisitions

• Global Expansion: TD’s vision wasn’t just limited to Canada. They expanded globally, introducing groundbreaking products like mutual funds and the VISA card. The iconic Toronto-Dominion Tower became a symbol of their ambition and vision.
• Diversification (1980s): TD ventured into diverse businesses, from discount brokerage to real estate development. This era also saw significant acquisitions, with the purchase of Canada Trust in 2000 being a notable highlight.

TD Today

In Canada, TD is a major bank whose goals go beyond just regular banking. They aim to carve a unique brand identity, grounded in a proven business strategy. Motivated by a commitment to their clients, communities, and employees, TD is dedicated to providing the assurance needed to thrive in a dynamic world.

You can contact TD Bank by:

Phone: (English) 1-800-983-8472 | (French) 1-800-983-8472
TD mobile app:

• Access the TD app on your smartphone by logging in.
• In the TD app, choose to “Contact Us” and scroll down.
• Choose “Call Us” then “TD Credit Cards”

If you do not already have the mobile app, you may get it for your Android device by clicking here, or for your Apple mobile phone by clicking here.

Benefits of TD Emerald Flex Rate Visa* Card

Even in uncertain times, feel ready. If you need to finance larger or unforeseen purchases or if you have a balance on your card, you may want to consider the TD Emerald Flex Rate Visa* Card. Here are a few reasons why the TD Emerald Flex Rate Visa* Card shines:

1. Low Interest rate

• At a selected low variable yearly interest rate, save money on interest.

2. Purchases and cash advances

• On all of your purchases and cash advance transactions, take advantage of the same low interest rates.

3. Insurance

• Choice to acquire travel health insurance, trip interruption insurance, and trip cancellation insurance

4. Earn more stars

• At participating Starbucks® locations, earn 50% more Stars.

5. Digital payments

• Utilize Apple Pay or Samsung Pay to reap the rewards of your TD Emerald Flex Rate Visa* Card. It’s a quick and safe method of payment.

Additional perks

• Save money by using Budget and Avis Rental Car. For eligible car rentals at participating Avis and Budget stores, use your Canadian TD Credit Card to save at least 10% off the lowest available base rates in Canada and the United States and at least 5% off the lowest available base rates worldwide.
• Your Card automatically provides Purchase Security and Extended Warranty Protection for qualified items stolen or damaged within 90 days of purchase.
• Shop safely both offline and online with Visa Zero Liability, and you’ll be covered if your card is used for fraudulent purchases.
• In the TD app, you may manage your credit card. Limit your credit card’s transactions, stop overseas purchases, or lock it.

Who’s eligible for the TD Emerald Flex Rate Visa* Card

If you satisfy all the following requirements, you are eligible to submit an application for this card:

• You are of age of majority in Canada and a resident of the province or territory in which you now live.
• You have provided a record of your regular income.
• You are not impacted from a poor credit history (the minimum required average credit score for this card is somewhere around 600 and higher).
• You can provide a valid social security number

Note: This credit card does not have any limitations for a minimum yearly income.

How to obtain the TD Emerald Flex Rate Visa* Card

• Applying online: Online applications are accepted, and you will receive a response promptly.
• Calling TD: Call TD Bank’s Credit Cards Department today. Their banking specialists are there to answer any questions you may have right away. Simply contact 1-855-315-4325 to do so.

Our Opinion

If you have a credit score that is above average, and you want a low interest rate on your purchases, then this card might be a suitable option for you to have. It has a cheap yearly price of $25, and it comes with travel advantages that are optional. You can cut costs associated with interest payments by selecting a low variable yearly interest rate.

One feature we are fond of

If you are currently carrying a balance on a credit card that has a high interest rate, you could reduce the amount of interest you pay by switching to a card with a lower interest rate and a lower annual fee. One such card is the TD Emerald Flex Rate Visa Card. It’s possible that consolidating your high-interest balances onto one card will make it easier for you to handle your credit card debt.