With a new year underway, Canadians are thinking about finances, mindful of the debt we may have taken on in 2023, as well as the financial pop-ups that may present themselves in 2024. As we hone our budgets and anticipate the expenses we may encounter, the right credit card can help when dealing with purchases, expected or unexpected. That鈥檚 why, whether it鈥檚 to pay off a purchase over time, or simply access a suite of cardholder benefits, the TD Low Rate Visa Card is a welcome addition to our wallets.
The TD Low Rate Visa Card allows you to save on interest with a low interest rate of 12.90 per cent, and also has an annual fee of only $25. 听For a limited time, until September 3rd 2024, 听you could also get a with an 8.99 per cent promotional interest rate on purchases for the first 6 months from account opening.1
鈥淭ackling debt can be challenging, but creating a strong and stable financial situation can make a big difference,鈥 said Meg McKee, Senior Vice President, Canadian Card Payments, Loyalty & Personal Lending. 鈥淏udgeting both for what you expect and what you don鈥檛 is an important part of maintaining strong financial health, and with the TD Low Rate Visa Card, taking on expenses may be made more manageable.鈥澨
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For those who carry a balance from time-to-time, a low rate credit card is a valuable option and provides you with additional peace of mind knowing that you have a low rate option available to cover any unexpected costs.
For Canadians looking to improve their financial health by chipping away at existing debt, there are different options they can explore.听
First, Canadians can save by consolidating high interest credit card debt to a low rate credit card. For example, making the switch to a low rate credit card can mean saving on interest payments compared to the payments owed on a standard department store credit card, which carries an interest rate of up to 29.99 per cent or on most other credit cards in 91原创 which charge an interest rate of 19.99 per cent.2听With a lower Interest rate, the TD Low Rate Visa Card could help you pay off your debt faster.
In addition, Canadians looking to be smart about taking on debt while ensuring they remain in a position to pay it off can also consider payment plans. Regardless of the card used for purchase, payment plans can offer viable avenues for managing short term debt, providing purchasing flexibility.听
Lastly, sometimes expenses arise that can鈥檛 be avoided, and for those unexpected payments that require time to pay off, a low interest credit card may offer the solution you need. For customers using the TD Low Rate Visa Card, they will still be able to get purchase security and extended warranty on their purchases, so they can pay for what they need without compromising on the protection they want.
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The TD Low Rate Visa Card also enables you to benefit from digital payment services like Apple Pay, Samsung Pay or Google Pay wherever contactless payments are accepted. And as these digital wallets are growing more and more popular, you鈥檒l benefit from this option in an ever-growing number of shops, restaurants, and retailers, letting you complete purchases with just a tap of your phone.
To learn more about the TD Low Rate Visa please visit . Product information mentioned in this article is applicable to all provinces excluding Quebec.
1Limited time offer. Offer ends September 3, 2024. For more information, visit .
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