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TD Emerald Visa Card credit card reviews

TD Emerald Visa Card credit card details and credit card application link.

The TD Emerald Visa Card is a financial product by the TD Canada Trust, intended for individuals who aim at reducing the interest payments on their account balances. This card is good for clients who carry balances and would like to take advantage of the many benefits that come with Visa products. The interest rate is calculated as the TD Prime (3 percent), plus 9.75, 7.75, 6.75, 5.75, 3.75, or 1.75 percent, depending on one’s credit rating. The preferred rate is in the range of 4.75 percent to 12.75 percent but the standard rate of 21 percent applies if the card holder does not make his monthly payment within thirty days of the due date. The annual fee is $25.

In addition to the low interest rate, the TD Emerald Visa Card comes with Travel Medical Insurance, covering Trip Interruption and Trip Cancellation Insurance, 24/7 assistance provided by the Emergency Assistance Center globally, emergency dental treatment up to $2000, Beside Companion Benefit, emergency air transportation to Canada, coverage for medical treatment up to $2 million, and more. The Credit Protection Insurance offered with TD Emerald Visa is beneficial in case of total disability, critical illness, dismemberment, death, or involuntary unemployment. Clients who choose the TD Balance Protection Plus option get additional coverage for their spouses and in case of disability that requires hospitalization. Another feature of this card is the TD Standard or Deluxe Auto Club Membership. The first option gives access to emergency road services such as meals and emergency accommodation, traffic accident towing, hazardous weather services, emergency transportation car rental, and others. The deluxe version comes with 24/ 7 roadside assistance, flat tire changes, towing up to 20 km, breakdown towing, lock-out assistance, extrication/ winch service, fuel delivery (the cost of fuel is not included), and battery boosts. In addition, card holders can request authorized user cards free-of-charge and take advantage of the Visa payWave technology for convenient and fast payment. Keep in mind that some of the coverages, features, and benefits are offered only to primary card holders. Some features and benefits are also subject to exclusions, conditions, changes, limitations, and cancellation. The chip enabled technology of the TD Emerald Visa Card ensures additional protection through a personal identification number. Finally, card holders enjoy Budget Rent and Avis Rent A Car Partner Rates, up to 25 percent off worldwide.

If you like to apply for this product of TD Canada Trust, you can call them or visit a branch of your convenience. Want to shop around some more? Check the Gold MasterCard offered by Capital One. This product is a good choice for clients who have a minimum household income above $30,000, want to save on interest payments, and carry a monthly balance. The card goes with an annual interest rate of 9.9 percent on balance transfers and purchases and annual fee of just $49. The Gold MasterCard also goes with rewards program (1 bonus point for every $1 in purchases), and points can be redeemed for cash, merchandize, gift cards, and travel. In addition, card holders get 1 percent cash back and enjoy plenty of benefits such as extended warranty, price protection, purchase assurance, Baggage Delay Insurance, Car Rental Collision/ Loss Damage Waiver, MasterAssist Travel Assistance, zero fraud liability, and Travel Accident Insurance.

Credit Card Details
NameTD Emerald Visa Card Apply Now
Interest Rate12.75%
Annual Fee$25
Cash BackNo
Low InterestYes
Auto and GasNo
Instant ApprovalNo
Balance TransferYes
US DollarNo
No Annual FeeNo