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Canada · personal card · TD Canada Trust

TD Low Rate Visa Card review

Fixed 12.90% interest on purchases and cash advances; no rewards.

By · Card data read October 7, 2026 · How we rank Canadian cards

Apply on issuer siteTerms apply

Key facts

Issuer
TD Canada Trust
Network
Visa
Annual fee
$25 (Additional cardholder $0; first-year fee rebate with offer)
Welcome offer
0% promotional interest on purchases for first 6 months plus first-year annual fee rebate
Purchase rate
12.90%
Cash advance rate
12.90%
Foreign transaction fee
Not stated
Minimum personal income
Not stated
Minimum household income
Not stated
Available in Quebec
Not stated

Perks

Option to purchase travel medical and trip cancellation insurance; Starbucks Stars linking

How we put this page together

Every figure here was read on TD Canada Trust’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: FX fee, Quebec availability not on page. 0% intro applies to purchases only.

Frequently asked questions

What is the annual fee on the TD Low Rate Visa Card?

$25 (Additional cardholder $0; first-year fee rebate with offer), as read on TD Canada Trust’s website on October 7, 2026.

Is there a foreign transaction fee on the TD Low Rate Visa Card?

The issuer’s page did not state a foreign currency conversion fee when we read it; check the cardholder agreement.

What income do I need for the TD Low Rate Visa Card?

The issuer’s page did not state a minimum income when we read it.

More TD Canada Trust cards

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    TD Aeroplan Visa Business Card TD Canada Trust

    Net $608/yr

    Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on travel, transit, dining, EV charging and select business categories, 1 on everything else.

    Earn: base 1 pts · dining 1.5 pts · travel 2 pts

    Annual fee
    $149 (Additional cards $49; first-year fee rebate for you and up to two additional cardholders)
    Est. net value / yr
    $608
    Welcome offer
    Up to 60,000 Aeroplan points: 10,000 on first purchase, 30,000 at $15,000 in 180 days, 20,000 at $25,000 in 365 days
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    14.99%
    Foreign transaction fee
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    TD Aeroplan Visa Infinite Card TD Canada Trust

    Net $657/yr

    Earn 1.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada purchases (and Hyatt), 1 point per $1 on everything else; free first checked bag for you and up to eight companions on Air Canada.

    Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 1.5 pts

    Annual fee
    $139 (Additional cardholder $75; first-year fee rebate with offer)
    Est. net value / yr
    $657
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    21.99%
    Foreign transaction fee
    2.5%
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    TD Aeroplan Visa Infinite Privilege Card TD Canada Trust

    Net $338/yr

    Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on gas, EV, groceries, travel, transit and dining, 1.25 on everything else; Maple Leaf Lounge access and 6 Visa Airport Companion lounge visits.

    Earn: base 1.25 pts · groceries 1.5 pts · gas 1.5 pts · dining 1.5 pts · travel 2 pts

    Annual fee
    $599 (Additional cardholder $199; partial annual fee rebate with TD All-Inclusive Banking Plan)
    Est. net value / yr
    $338
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    21.99%
    Foreign transaction fee
    Not stated
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    TD Aeroplan Visa Platinum Card TD Canada Trust

    Net $443/yr

    Earn 1 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada purchases, and 1 point per $1.50 on all other purchases.

    Earn: base 0.67 pts · groceries 1 pts · gas 1 pts · travel 1 pts

    Annual fee
    $89 (Additional cardholder $35; first-year fee rebate with offer)
    Est. net value / yr
    $443
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    Foreign transaction fee
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    Apply on issuer siteCard detailsRead October 7, 2026

Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.