TD Credit Card Student Offer
Δ Annual interest rates, fees and features are current as of November 5, 2025 unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on June 30, 2026 and ends November 2, 2026 (the "Offer Period") and is only available to student cardholders of a new TD Cash Back Visa* Card or TD Rewards Visa* Card ("Account"). Account must be opened by November 2, 2026:
- Earn $125 in Cash Back Dollars when you spend $1000+ in the first 3 months on your new TD Cash Back Visa* Card applied to your Cash Back dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
- Earn 37,880 TD Rewards Points (a value of $125 on Amazon.ca) when you spend $1000+ in the first 3 months on your new TD Rewards Visa* Card; after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars or TD Rewards Points are applied to your Account. To earn $125 Cash Back Dollars to the TD Cash Back Visa* Card or 37,880 TD Rewards points to the TD Rewards Visa* Card, you must make $1000 in Purchases on your account within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance. TD Rewards Points can be used towards making purchases at Amazon.ca with Amazon Shop with Points.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars and TD Rewards points to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account or a TD Rewards Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account or a TD Rewards Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months. Any Cash Back Dollars or TD Rewards Points received under this Offer may be reversed after it has been applied if the qualifying purchases are cancelled and/or refunded to the Account.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars and TD Rewards Points awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars or TD Rewards Points not yet awarded.
This Offer is only available to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card or TD Rewards Visa* Card.
1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption.
These are highlights of the Amazon.ca Shop with Points program for TD Rewards points (“SWP for TD”). 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 enroll in SWP for TD and terms, conditions and restrictions, visit https://www.amazon.ca/tdrewards.
Amazon.ca is operated by Amazon Services International, 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.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
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
|
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