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TD Credit Cards with a Low Interest Rate

What is a low interest rate credit card?

A low interest rate credit card has a rate of interest that is usually less than the typical interest rate of 19.99%. This means that less interest is charged if the balance is not paid in full on the payment due date. Whether you need a personal card or a business card with a low interest rate, we have an option for you. Use our “compare cards” option to find a low interest rate TD Credit Card in Canada that best suits your needs.

Special Offer Recently Viewed

TD Low Rate Visa* Card

Get an 8.99% promotional interest rate on Purchases for the first 6 months^LRQCPLUS from Account opening. Conditions Apply. Account must be approved by January 6, 2025.

$25^new121
Annual Fee

13.90%^UDIQEN16

Interest: Purchases

13.90%^UDIQEN16

Interest: Cash Advances

View Details

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TD Business Select Rate^TM Visa* Card

Save on interest to grow your business with confidence.

$0 Annual Fee

11.99%

Interest: Purchases

11.99%

Interest: Cash Advances

View Details

Apply online

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Special Offer Recently Viewed

TD® Aeroplan® Visa* Business Card

Earn up to 50,000 Aeroplan points^b2 with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders^b2. Conditions Apply. Account must be opened and approved by January 6, 2025.

$149
Annual Fee

14.99%

Interest: Purchases

22.99%

Interest: Cash Advances

View Details

Apply online

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Frequently asked questions

Helps you save on interest charges. You could pay less interest on your balance.
Debt consolidation. Consolidate credit card debt with a balance transfer.

A balance transfer is when you move outstanding debt from one of your credit cards at another financial institution to your TD credit card. A balance transfer may help you manage your credit card debt.

A low interest rate credit card could be helpful if used to consolidate the outstanding balance from any high interest rate credit card you may have with another financial institution to the low interest rate credit card, to take advantage of the lower interest rate charges.

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Share the benefits of your TD Credit Card Account with up to 3 Additional Cardholders.

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Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	20.99%	$1.73	$3.45	$17.25
Cash Advances	20.99%	$1.73	$3.45	$17.25
Purchases – Default Rate	25.99%	$2.14	$4.27	$21.36
Cash Advances – Default Rate	27.99%	$2.30	$4.60	$23.01

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	13.90%	$1.15	$2.29	$11.43
Cash Advances	13.90%	$1.15	$2.29	$11.43
Purchases - Default Rate	25.99%	$2.14	$4.28	$21.37
Cash Advances - Default Rate	27.99%	$2.31	$4.61	$23.01

Annual Interest Rate
	Average Daily Balance	$100	$200	$1,000
Purchases	13.90%	$1.73	$3.45	$17.25
Cash Advances	13.90%	$1.73	$3.45	$17.25
Purchases – Default Rate	25.99%	$2.14	$4.27	$21.36
Cash Advances – Default Rate	27.99%	$2.30	$4.60	$23.01

		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases and Cash Advances(Tier 1)	TD Prime +13.75%	$1.52	$3.04	$15.17
Purchases and Cash Advances(Tier 2)	TD Prime +12.75%	$1.44	$2.87	$14.35
Purchases and Cash Advances(Tier 3)	TD Prime +11.25%	$1.32	$2.63	$13.11
Purchases and Cash Advances(Tier 4)	TD Prime +9.75%	$1.19	$2.38	$11.88
Purchases and Cash Advances(Tier 5)	TD Prime +7.25%	$0.99	$1.97	$9.83
Purchases and Cash Advances(Tier 6)	TD Prime +5.5%	$0.84	$1.68	$8.39
Purchases - Default Rate	25.99%	$2.14	$4.28	$21.37
Cash Advances - Default Rate	27.99%	$2.31	$4.61	$23.01

Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate		Average Daily Balance
Annual Interest Rate		$100	$200	$1,000
Purchases	13.90%	$1.15	$2.29	$11.43
Cash Advances	13.90%	$1.15	$2.29	$11.43
Purchases - Default Rate	25.99%	$2.14	$4.28	$21.37
Cash Advances - Default Rate	27.99%	$2.31	$4.61	$23.01

TD Credit Cards with a Low Interest Rate

What is a low interest rate credit card?

TD Low Rate Visa* Card

TD Business Select Rate^TM Visa* Card

TD® Aeroplan® Visa* Business Card

Frequently asked questions

More options to serve you

Browse all TD Credit Cards

Need help choosing a card?

Add Additional Cardholders

TD Fraud Alerts

Have a question? Find answers here

Popular questions

Helpful related questions

Did you find what you were looking for?

See you in a bit

TD Credit Cards with a Low Interest Rate

What is a low interest rate credit card?

TD Low Rate Visa* Card

TD Business Select RateTM Visa* Card

TD® Aeroplan® Visa* Business Card

Frequently asked questions

What are the benefits of a low interest rate credit card?

What is a balance transfer?

Why should you consider a low interest rate credit card?

More options to serve you

Browse all TD Credit Cards

Need help choosing a card?

Add Additional Cardholders

TD Fraud Alerts

Have a question? Find answers here

Popular questions

Helpful related questions

Did you find what you were looking for?

TD Business Select Rate^TM Visa* Card