TD Credit Card – How to Apply

When trying to find the right card to build your score and still maintain financial security, there are a lot of options to choose from. Companies like American Express and Visa have made room for cards offered through banking establishments. 

One of the banking establishments that has opted to offer several card options is TD Canada Trust. Here, we will be taking a look at one of their cards – the TD Cash Credit Card.

This card offers no annual fee. Plus, there are several benefits that can be used to earn cashback and build your credit. 

TD Credit Card - How to Apply


If you are someone who uses their card for daily purchases, the TD Cash Back Visa might be the right choice for you. This card starts with no annual fee and a signup bonus of $25 cashback. 

As you spend money on the necessities of life, like gas or food, you can earn 1% cashback (at eligible places). The cashback can also be earned on recurring bills that are set up to auto-pay through your TD account. On every purchase that is not an auto-pay bill, food, or has, you will earn .5% cashback.

The card also offers extended warranties and insurance on products purchased with the card. Along with that, you can get 10% off on rental cars at Avis and Budget in both Canada and the US. If you’re looking to rent overseas, that discount will be dropped to 5%.


The TD Cash Back Visa also comes with some benefits that help extend its usability. Some of these benefits include.

  • Contactless payment with ApplePay or Visa payWave
  • Improved security via the “Verified by Visa” online purchase protection
  • Fraud protection and alerts via mobile phone
  • Zero-liability coverage to protect you from fraudulent charges
  • Customer service that is available every day of the year
  • No annual income requirements

How to Apply

First, you have to meet the requirements below and be able to collect the following documentation.

  • Contact information
  • Social insurance number
  • Proof of employment and income
  • Banking history

Once you have that, you can choose to apply for the card online, in a branch, or over the phone. With the application filled out, you will submit it and then wait for an approval message to come through. If you want to start your application process, you will need to visit the online application page here.

Who is Eligible?

In order to be eligible to apply for this card, you must meet the following criteria.

  • Be a resident of Canada
  • Be 18 years or older
  • Have valid proof of ID
  • Be able to produce proof of employment and income

Fees and Interest

This card is a card that can be used as an entry into card use. It has no annual fee and no minimum income requirements. 

In order to qualify, you should have a fair to good credit score rating (660 or above). Thus, it is accessible even to students who are looking to start building their credit. 

There are minimal fees, but a rather high interest rate on the transactions. For standard purchases, you will be looking at a 19.99% rate, while cash advances and balance transfers both come in at 29.99%.

Bank Contact Info

If you need more information, you can contact the bank via Facebook messenger, DM them on Twitter, visit a branch, or call the bank at 1-888-315-4325. The customer support line is open 24/7.

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Finding a card that works as an introductory card can be challenging. However, TD Canada Trust has delivered a good option. With limited fees and requirements, the Cash Back Visa may be the perfect choice for you.

With its ability to help you earn cashback on purchases, this card is a great choice for students or young adults who are looking to start off right by building their credit. The information above hopefully helped any individual looking for such a credit card with their decision-making process. 

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.