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Paying for School

How to use credit cards wisely


Your credit card gives you a world of convenience. But it pays to use your card wisely to save money and earn rewards.

Smart steps to a good credit rating

Your credit history will follow you through school and into the working world. When it’s time to apply for a loan or mortgage later on, your credit rating will be one indicator for lenders to decide on your ability to carry and pay back debt.

Start now with a good credit rating and you’ll reap the rewards later. Here’s how:

  • Always pay the minimum monthly payment on your credit card statement
  • Make your payment on time — write in or program your monthly due date in your calendar for an instant reminder
  • Make any loan payments on time

You also want to ensure you protect your card at all times so no one can tamper with it — both in person and when shopping online. Click here for tips on how to protect your card, your identity and your credit rating.


Save money using your credit card

Credit cards are useful for more things than buying music online. As a matter of fact, the right card can save you money by offering benefits you can use:

  • Points that can be redeemed for travel
  • Cash back rewards for every dollar you spend using your credit card
  • Purchase protection when an item you’ve purchased with the card gets lost or stolen
  • An extended warranty on some items you purchase with the card
  • Built-in travel insurance if you book a flight or trip with your card

TD Visa Cards designed especially for you

The card you choose should reflect what’s important to you. Do you love to travel? Or are you interested in saving money with every purchase you make? With one of these TD Visa Cards, it’s easy to get what you want.

1. TD Classic Travel Visa Card. With every purchase made using the TD Classic Travel Visa Card, you’ll earn TD Points that can be redeemed for your next trip.

  • You can use TD Points to book travel (air, packages, hotels and cruises) and take advantage of online deals
  • Get 2,000 TD Points as a Welcome Bonus
  • Earn 2 TD Points for every $1 you spend using your Card

2. TD Rebate Rewards Visa Card. Get money back for every purchase you make. The rebate you receive can go towards books, music, food or the latest techno-gadget.

  • No annual fee
  • A cash rebate of up to 1% on purchases charged to your Card

3. TD Green Visa Card — Groceries, concerts or a new MP3 player to celebrate a good grade — whatever you use your credit card for, you’ll get great benefits and services.

  • No annual fee
  • Preferred rates on Budget Rent A Car, Purchase Security and Extended Warranty Protection and Common Carrier Travel Accident Insurance

Compare what’s right for you, using our Credit Card Selector.

Still not sure? Speak to a TD Canada Trust representative or call 1-888-287-6322 and get the help you need to select a credit card.