TD Emerald Flex Rate Visa Card

The TD Emerald Flex Rate Visa offers a credit card with a low-interest rate. However, it does not include any additional benefits such as rewards, coverage, or insurance. This card may be suitable for individuals who often pay their balance later than expected.

Card Summary

This credit card has a $25 annual fee, but adding supplementary cards is free. The interest rate for purchases and cash advances varies between TD Prime + 4.50% and 12.75%. A unique perk of this card is that you can earn 50% more Stars when you make purchases at participating Starbucks® stores, helping you earn rewards faster.

Rewards Summary

• N/A

Benefits Summary

With this credit card, you can enjoy great savings when renting a car with Avis Rent A Car or Budget Rent A Car. This benefit makes your travel more affordable and convenient.

Insurance Summary

• N/A

Editor’s Review

TD Emerald Flex Rate Visa Card Review

The TD Emerald Flex Rate Visa Card is designed for individuals seeking a low-interest credit card. It is particularly suitable for those who may carry a balance from month to month. While it doesn’t offer rewards or extensive insurance coverage, it provides some travel-related benefits.

Card Summary

• Annual Fee: $25
• Supplementary Cards: Free
• Purchase Interest Rate: TD Prime + 4.50% to TD Prime + 12.75%
• Cash Advance Rate: TD Prime + 4.50% to TD Prime + 12.75%

Rewards Program

• Rewards: Not applicable
• Starbucks® Rewards: Earn 50% more Stars on purchases at participating Starbucks® stores

Benefits Summary

• Car Rental Savings: Discounts with Avis Rent A Car and Budget Rent A Car

Insurance Coverage

• Insurance: Not applicable

Security Features

• Security Features: Standard security features, including fraud protection and secure online transactions

Spending Structure

This card is most beneficial for users who:

• Frequently carry a balance and want to minimize interest charges
• Occasionally rent cars and seek savings on rentals

Final Verdict

The TD Emerald Flex Rate Visa Card is an excellent choice for those who prioritize low-interest rates over rewards and other benefits. Its flexible interest rate, which varies based on the TD Prime rate, can lead to significant savings for those who carry a balance. Additionally, the card’s car rental discounts and enhanced Starbucks® Rewards provide some added value. If you’re looking for a basic, low-cost credit card to manage your finances more efficiently, the TD Emerald Flex Rate Visa Card is worth considering.

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Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.