类别加成与底线返还叠用：把日常消费尽量压进高返现桶。
加拿大信用卡 · 一般
年费
25 加元
奖励率
不适用 ?
优惠活动
不适用
常规年利率
12.90%
奖励明细
- 详见发卡行官网（本卡无常规消费奖励明细）。
卡片详情
- Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
- Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
- Cardholders must be Canadian residents of the age of majority in their province/territory of residence.
费率及费用
- 年费
- 25 加元
- 最低押金
- 不适用
- 常规年利率
- 12.90%
- 购卡介绍期 APR
- 不适用
- 余额转移介绍期 APR
- 不适用
EasyDecide 的观点
优点
- Low $25 annual fee.
- Low 12.9% interest rate.
- Discounts of at least 5%-10% on Avis and Budget rentals.
缺点
- Doesn’t earn rewards.
- Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
- Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
总结
TD Low Rate Visa* Credit Card（加拿大） 在 EasyDecide 评分为 4.1/5，并获得「加拿大信用卡 · 一般」相关认可。年费为 25 加元。开卡礼约为 详见发卡行。它适合把「Low $25 annual fee.、Low 12.9% interest rate.、Discounts of at least 5%-10% on Avis and Budget rentals.」放在优先位置的申请人；同时也需留意「Doesn’t earn rewards.、Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.」。以下评测梳理费率、奖励结构、优缺点与常见问题，帮助你判断是否合适。点击「立即申请」将前往发卡行网站完成申请。
优缺点
优点
- Low $25 annual fee.
- Low 12.9% interest rate.
- Discounts of at least 5%-10% on Avis and Budget rentals.
缺点
- Doesn’t earn rewards.
- Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
- Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
详细评测
TD Low Rate Visa* Credit Card（加拿大）：基础信息
年费 25 加元，常规年利率 12.90%，推荐信用评分 加拿大居民 · 视资质而定。EasyDecide 评分 4.1。
TD Low Rate Visa* Credit Card 为加拿大市场信用卡/签账产品；EasyDecide 评分 4.1/5。
奖励怎么赚
展开上方「奖励明细」可查看完整倍率与类别说明。旅行门户、餐饮、杂货等加成往往决定这张卡是否划算；若你很少命中加成类别，长期价值会下降。
积分 / 返现大概值多少
旅行积分经门户兑换或转移到合作航司/酒店时，单位价值通常高于直接现金返还；具体取决于航司计划与兑换方式。现金返还卡则更接近面值回血，适合追求简单的持卡人。
奖励怎么用
优先用门户兑换或转移伙伴抬高价值（如适用）。也可用积分/返现做账单抵扣或礼品卡。点击「立即申请」将前往发卡行网站，本站不代为开户。
和同类卡怎么比
可从下方「对比其他卡片」挑 2–3 张加入比较托盘，并排看年费、开卡礼、奖励结构与优缺点；不要只看单页评分。
权益与亮点
- Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
- Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
缺点与注意事项
- Doesn’t earn rewards.
- Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply. Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
- Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
奖励结构越灵活往往越复杂。若你偏好「所有消费统一返现、不用操心类别」，更简单的无年费现金返还卡可能更合适。
如何判断适不适合你
适合你：经常命中加成类别、愿意使用奖励门户或转移伙伴、能接受年费结构（如有）。不太适合：几乎不旅行/外食、不想研究兑换、或信用资质暂时达不到建议区间。
对比其他卡片
常见问题
TD Low Rate Visa* Credit Card（加拿大） 的奖励怎么算？
请展开上方「奖励明细」查看各类别倍率/比例。实际入账以发卡行对商户类别（MCC）判定为准。
积分/里程价值大概多少？
旅行兑换或转移至合作伙伴时，单位奖励价值通常高于简单现金返还；具体取决于航司/酒店计划与兑换方式。
奖励会过期吗？
多数主流奖励卡在账户保持有效期间奖励不过期，但仍以发卡行条款为准；销户或严重违约可能导致作废。
需要什么信用评分？
本页建议区间为 加拿大居民 · 视资质而定。审批结果因人而异，获批与否由发卡行决定。
和同类卡怎么选？
可对比年费、开卡礼、日常奖励类别、国际受理与旅行权益。若更看重「简单现金返还」，可考虑无年费现金返还卡；若看重高端休息室与大额抵扣，可看更高端产品。