This card is designed for those who are looking for a card with 0 annual fee.

The credit limit for this card is $500, and there is no income restriction, which means if you are age 18 or above, you are qualified to apply for this card!

This is the first credit card I had, with no annual fee and just a little bit perks. The targets for this card are post-secondary students and young graduates who have relative low incomes.

Since it is a reward card, you can earn TD points by making purchases with this card. You can earn 2 TD rewards points for every $1 in grocery purchases, restaurant and fast food purchases, and authorized bill payments. You can earn 3 TD rewards points for every $1 in travel purchases made with your card through ExpediaForTD.com, and earn 1 TD rewards point for every $1 on all other purchases made using this card.

When I was in my first year of university, my monthly average spending is $1000, plus the welcome bonus (appx. 10,000 TD rewards points), I could redeem for 31,000 TD points by the end of the year, which is the equivalent of a travel value of $150.

		Pros
		- No annual fee.
		- Priority Pass membership discount.
		- Low threshold to apply.
		

		Cons
		- Low credit Limit - Only $500!
		- Not too many perks.
		- Earn TD rewards points too slow.
		

Still not satisfied with the points? Earning too slow? Check out the TD Platinum Travel Visa Card.