The ClearFin bottom line
📉 Flexible Rate
Its strongest published earn rate in our data is 0.50% on dining. The $25 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Emerald Flex Rate Visa
Start with 0% promotional purchase rate for 6 months plus first-year fee rebate.
Independent comparisonFees includedCanadian card data
- Annual fee
- $25
- Reward type
- Card rewards
- Welcome offer
- Available
- Insurance
- 1 coverages
Current new-cardmember offer
Certificate terms apply
📉 Flexible Rate
Welcome bonus
0% promotional purchase rate for 6 months plus first-year fee rebate
New cardmembers can earn 0% promotional purchase rate for 6 months plus first-year fee rebate by completing the steps below.
Offer details
The standard rate applies after the promotional period. Full issuer conditions apply.
How you earn
- ClearFin models an estimated 0.50% return on dining, groceries, gas and eligible transportation, travel, other eligible purchases, based on the catalogue earn rate and point valuation.
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$25
Purchase interest12.9%
Cash advance interest12.9%
Foreign transaction feeConfirmCheck current issuer fee
Income requirementNot statedIssuer approval criteria apply
Additional card$0
Recommended credit score660+ Good
Most standard rewards cards are best approached with established good credit.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Estimate only. The issuer may use a different score, credit bureau, income test, debt level, or underwriting model.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Variable interest rate
Listed in ClearFin's current card catalogue. Eligibility and issuer terms apply.
Online banking access
Listed in ClearFin's current card catalogue. Eligibility and issuer terms apply.
Protection included
Insurance at a glance
1 coverage listed. Key terms are summarized below; full certificate terms apply.
Purchase security
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
The verdict
What we like
- Strongest rewards may help offset the $25 annual fee
- Up to 0.50% in its strongest spending category
- Variable interest rate
Worth noting
- $25 annual fee
- Rates, offers, and approval criteria can change
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
📉 Flexible Rate
Variable low interest rate. Good for those who occasionally carry a balance.
How the rewards work
Dining, Groceries, Gas, Travel, Everything else receive the strongest estimated return at 0.50%. Purchases outside the accelerated categories earn an estimated 0.50%.
What the annual cost means
Using the strongest estimated category return alone, roughly $5,000 in annual spending at that rate would equal the $25 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Other cards to examine
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.