Credit cards for Post grad & Young adults | TD Canada Trust

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TD® Aeroplan® Visa Infinite* Card

Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.

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TD First Class Travel® Visa Infinite* Card

Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.

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With a new TD mortgage, get up to $5,100 cashback.

Offer expires August 31, 2026. Conditions apply. 

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Account Types

Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offers

Banking For

Newcomers Youth & Parents Students International Students Post Grads

Services

Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud Prevention

TD New to Chequing Offer

Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.

View offer details

TD New to Canada Banking Package

Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.

View offer details

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Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar Business

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Students Post grads New to Canada

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Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit score

Learning Resources

Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn more

Featured offer

TD® Aeroplan® Visa Infinite* Card

Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.

View offer

Featured offer

TD First Class Travel® Visa Infinite* Card

Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.

View offer

Mortgages Go Back Mortgages Close

Mortgages

Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage Protection

What’s Next For You?

Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to Canada

Tools and Resources

Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialist

TD Mortgage Direct

Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.

Request a call

With a new TD mortgage, get up to $5,100 cashback.

Offer expires August 31, 2026. Conditions apply. 

View offer details

Loans/Lines of Credit Go Back Loans/Lines of Credit Close

Loans and Lines of Credit

Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of Credit

Student Borrowing

Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of Credit

Tools and Resources

Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debt

Borrowing Advice

Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.

Get more info about borrowing

Student Advice

Get expert advice on things like building a student budget and other important financial topics.

Know more about student borrowing

Credit Application Guide

This step-by-step guide will help you understand the credit application process.

Get more info on borrowing

Personal Investing Go Back Personal Investing Close

Registered Accounts & Plans

Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)

Investing Products

Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth Advisor

Tools and Resources

Compound Interest Calculator TFSA Calculator RRSP Calculator GIC Selector Tool RESP Calculator Net Worth Calculator TD Goal Builder Personal Cash Flow Calculator

Investor Education

Find an investing article that will help you invest with confidence and make financial decisions.

Learn about investing

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Credit Protection Plans

Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit Protection

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Explore all travel insurance Single Trip Plan Annual Trip Plan Trip Cancellation & Trip Interruption Insurance Top-up or Extension

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TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification Tool

File a TD Protection Plans claim

We’re ready to guide you every step of the way.

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We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.

Visit online claims portal

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Need help finding the right TD products?

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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking TD Home / Post Grad & Young Adult / Your everyday banking

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TD Home / Post Grad & Young Adult / Your everyday banking

Post Grad & Young Adult

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Post Grad & Young Adult

Bank smarter with the products right for you\r\n"}}" id="text-433f15afad" class="cmp-text"> Bank smarter with the products right for you Having the right banking solutions in place while you’re young can help you make the most of your finances and build a strong financial future.

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Having the right banking solutions in place while you’re young can help you make the most of your finances and build a strong financial future.

Bank smarter with the products right for you\r\n"}}" id="text-14307e1a17" class="cmp-text"> Bank smarter with the products right for you Having banking solutions in place that are right for you while you’re young can help you make the most of your finances and build a strong financial future.

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Having banking solutions in place that are right for you while you’re young can help you make the most of your finances and build a strong financial future.

Banking products that support your financial goals\r\n"}}" id="text-7d81f703ec" class="cmp-text"> Banking products that support your financial goals Smart financial choices today can pay off tomorrow. That’s why it’s important to pick the banking products right for your financial goals, such as growing your money in a savings account or building a credit history with a credit card.

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Smart financial choices today can pay off tomorrow. That’s why it’s important to pick the banking products right for your financial goals, such as growing your money in a savings account or building a credit history with a credit card.

Bank Accounts

Credit Cards

Featured credit cards at a glance\r\n"}}" id="text-1d13a223ca" class="cmp-text"> Featured credit cards at a glance When choosing a credit card, it’s important to keep your priorities and financial goals in mind. TD offers a range of credit cards with differing interest rates, fees and rewards to suit your needs.

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When choosing a credit card, it’s important to keep your priorities and financial goals in mind. TD offers a range of credit cards with differing interest rates, fees and rewards to suit your needs.

TD® Aeroplan® Visa Infinite* Card

Earn Aeroplan points on eligible purchases made with your Card. Redeem your Aeroplan points for travel, hotels, car rentals, and more. Eligibility Requirements1: $60,000 annual personal income or $100,000 annual household income 

$139

Annual Fee

21.99%

Interest: Purchases

22.99%

Interest: Cash Advances

21.99%

Interest: Purchases and Cash Advances. Quebec only.3

View Details

Apply online TD Cash Back Visa* Card

Earn Cash Back Dollars on purchases like grocery, gas, public transit and streaming services. Redeem them to help pay down your Account balance. 

$0

Annual Fee

21.99%

Interest: Purchases

22.99%

Interest: Cash Advances

21.99%

Interest: Purchases and Cash Advances. Quebec only.3

View Details

Secure Apply online TD Rewards Visa* Card

Earn TD Rewards Points on purchases made with your Card. Enjoy the flexibility to redeem your TD Rewards Points on a wide variety of rewards and purchases at Expedia® For TD4, Starbucks®, Amazon.ca with Amazon Shop with Points6 and more. 

$0

Annual Fee

21.99%

Interest: Purchases

22.99%

Interest: Cash Advances

21.99%

Interest: Purchases and Cash Advances. Quebec only.3

View Details

Secure Apply online Need help choosing a credit card?

Answer a few simple questions and we'll help you find your ideal card.

Need help choosing a card? Suggest a card Perks of TD credit cards\r\n"}}" id="text-b54e545f6b" class="cmp-text"> Perks of TD credit cards Rewarding travel

If you love to globe-trot, a travel credit card that earns you rewards can help you reach your next destination sooner.

Redemption flexibility

You have the flexibility to choose how you want to redeem the points you've earned, whether on everyday perks or for travel.

Manage your card in the TD App

Set transaction limits, lock or unlock your card 5, view statements and more, conveniently from your mobile device. Learn more

Earn more Stars at participating Starbucks® stores.

Simply link your eligible TD Credit Card with your Starbucks® Rewards account to start earning. Conditions apply. Learn more.

Brush up on your financial know-how\r\n"}}" id="text-81292a3af7" class="cmp-text"> Brush up on your financial know-how Learn how credit can help you live the life you want to today, as well as in the future.

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Learn how credit can help you live the life you want to today, as well as in the future.

Credit card basics

In the market for a credit card but not sure which to choose? At TD, we offer a variety of different credit cards for a variety of financial goals and lifestyle needs. Discover what types of credit cards we offer, their benefits and how you can apply.

How to build my credit

Find the information you need to establish your credit history.

6 ways to be smart and safe with your credit

Protect yourself and your credit score with these helpful tips.

Credit card basics

In the market for a credit card but not sure which to choose? At TD, we offer a variety of different credit cards for a variety of financial goals and lifestyle needs. Discover what types of credit cards we offer, their benefits and how you can apply.

How to build my credit

Find the information you need to establish your credit history.

6 ways to be smart and safe with your credit

Protect yourself and your credit score with these helpful tips.

Frequently asked questions\r\n"}}" id="text-6d623d931b" class="cmp-text"> Frequently asked questions If I have limited credit history, can I still apply for a TD Credit Card? TD Canada Trust is always willing to consider new immigrants, people with little or no credit history and young people, including students, for a personal credit card.

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You can Apply Online, by calling 1-855-636-8813 or by visiting any TD Canada Trust branch.

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If you are New to Canada, you should apply for a TD Credit Card at a branch. Responsible use of your first credit card can be a good way to start building a positive credit history.  

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If you have special circumstances that you think may affect your ability to obtain credit, one of our branch representatives would be happy to discuss them with you.

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To find a branch near you, please visit our TD Canada Trust Branch Locator.

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TD Canada Trust is always willing to consider new immigrants, people with little or no credit history and young people, including students, for a personal credit card.

You can Apply Online, by calling 1-855-636-8813 or by visiting any TD Canada Trust branch.

If you are New to Canada, you should apply for a TD Credit Card at a branch. Responsible use of your first credit card can be a good way to start building a positive credit history.  

If you have special circumstances that you think may affect your ability to obtain credit, one of our branch representatives would be happy to discuss them with you.

To find a branch near you, please visit our TD Canada Trust Branch Locator.

How do I apply for a TD Credit Card? There are several ways to apply for a TD Credit Card. You can Apply Online, by phone or at any TD Canada Trust branch.

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Should you prefer to apply by phone, telephone applications are can be received Monday - Friday 8 AM - 10 PM ET, and Saturday - Sunday 10 AM - 6 PM ET at
\r\n1-800-983-2582.

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(Please note: Unfortunately, we cannot accept applications over the telephone for the province of Quebec)

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Applying is easy, and our service specialists are happy to answer any questions you may have. You can view our full suite of cards here. To help find the TD Credit Card that best suits your credit needs, please use our helpful Credit Card Selector.

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There are several ways to apply for a TD Credit Card. You can Apply Online, by phone or at any TD Canada Trust branch.

Should you prefer to apply by phone, telephone applications are can be received Monday - Friday 8 AM - 10 PM ET, and Saturday - Sunday 10 AM - 6 PM ET at
1-800-983-2582.

(Please note: Unfortunately, we cannot accept applications over the telephone for the province of Quebec)

Applying is easy, and our service specialists are happy to answer any questions you may have. You can view our full suite of cards here. To help find the TD Credit Card that best suits your credit needs, please use our helpful Credit Card Selector.

How do I switch to a different TD Credit Card? If the TD Credit Card you currently have no longer suits your needs, transferring to a different TD Credit Card is easy.  

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To help you choose the Card that's right for you, you can use our Credit Card Selector tool or browse our selection of available cards here.

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When you've made your decision and are ready to transfer to a different Card, all you have to do to complete the transfer is one of the following:

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By phone:

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Simply call 1-800-983-8472 to speak to one of our Customer Service Representatives.  Please have your current TD Credit Card with you when you call.

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Visit a Branch:

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Visit your local branch or use our Branch Locator tool to find a branch that's convenient for you.

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If the TD Credit Card you currently have no longer suits your needs, transferring to a different TD Credit Card is easy.  

To help you choose the Card that's right for you, you can use our Credit Card Selector tool or browse our selection of available cards here.

When you've made your decision and are ready to transfer to a different Card, all you have to do to complete the transfer is one of the following:

By phone:

Simply call 1-800-983-8472 to speak to one of our Customer Service Representatives.  Please have your current TD Credit Card with you when you call.

Visit a Branch:

Visit your local branch or use our Branch Locator tool to find a branch that's convenient for you.

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Toronto-Dominion Centre – Corporate Office
66 Wellington Street West, Toronto, ON M5K 1A2

Canada Deposit Insurance Corporation

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Your deposits may be insurable by the Canada Deposit Insurance Corporation.

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Learn more

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Canada Investment Regulatory Organization (CIRO)

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CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

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www.ciro.ca

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Canada Deposit Insurance Corporation

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

Learn more

Canada Investment Regulatory Organization (CIRO)

CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

www.ciro.ca

See you in a bit\r\n"}}" id="text-9b11cbd20f" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.

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You are now leaving our website and entering a third-party website over which we have no control.

Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

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Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Loans and lines of credit Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial Services 1 Conditions apply. You need to be a permanent resident of Canada, and the age of majority in your province/territory of residence.

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1 Conditions apply. You need to be a permanent resident of Canada, and the age of majority in your province/territory of residence.

3 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
\r\n(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
\r\n(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
\r\n(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
\r\n(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
\r\n(v) Example of Interest Charges

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Examples of Interest Charges for a 30-Day Billing Cycle

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Annual Interest Rate

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Average Daily Balance

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$100

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$200

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$1,000

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Purchases

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21.99%

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$1.81

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$3.61

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$18.07

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Cash Advances

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21.99%

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$1.81

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$3.61

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$18.07

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Purchases - Default Rate

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26.99%

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$2.22

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$4.44

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$22.18

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Cash Advances - Default Rate

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27.99%

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$2.30

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$4.60

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$23.01

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3 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle

Annual Interest Rate

Average Daily Balance

$100

$200

$1,000

Purchases

21.99%

$1.81

$3.61

$18.07

Cash Advances

21.99%

$1.81

$3.61

$18.07

Purchases - Default Rate

26.99%

$2.22

$4.44

$22.18

Cash Advances - Default Rate

27.99%

$2.30

$4.60

$23.01

4 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1‑877‑222‑6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

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4 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1‑877‑222‑6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

5 The Locked card feature prevents new purchases and digital wallet payments, either in-person or online. Pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers

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5 The Locked card feature prevents new purchases and digital wallet payments, either in-person or online. Pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers

6 There is a minimum redemption of Three (3) TD Rewards Points in order to make purchases on Amazon.ca through the Shop with Points program. The Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”) is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon.com, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

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®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

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*Trademark of Visa International Service Association; Used under license.

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®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

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For trade-mark ownership details, see www.tdcanadatrust.com/aeroplancards

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Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

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Amazon is a trademark of Amazon Services International, Inc. or its affiliates.

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6 There is a minimum redemption of Three (3) TD Rewards Points in order to make purchases on Amazon.ca through the Shop with Points program. The Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”) is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon.com, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

®The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

*Trademark of Visa International Service Association; Used under license.

®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

For trade-mark ownership details, see www.tdcanadatrust.com/aeroplancards

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

Amazon is a trademark of Amazon Services International, Inc. or its affiliates.