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Best Student Credit Card Canada

The TD Emerald Visa card a great credit card and our choice for the best student credit card Canada. The key feature of the card is that the interest rate can be as low as Prime + 1.5%. Although there are no rewards or travel points that come with this card the interest rate benefit will surely save you money if you tend to skip payments or carry a balance.

The TD Emerald Visa card is also great for students. It’s one of TD’s student credit card offerings and comes with a minimum credit limit of $1,000. TD also doesn’t require you have have credit history if you’re a student. This combined with the low interest rate makes it the best student credit card Canada. Check out the full review.

TD Emerald Visa Review:

TD Emerald Visa Card

Interest Rate: Prime + 1.5% up to Prime + 12.75%

Annual Fee: $25
Supplemental Card Fee: $0

Rewards: None

Redemption: N/A

Fine Print:

– Must be 18 years of age
– No credit history required for student

Extra Perks:

The TD Emerald Visa is a pretty basic credit card and therefor has only a few perks.

– Rental Car Preferred Rates
– Balance Transfers
– Emergency Cash Advances (up to $500)

Extra Fees:

None that we could see. But if you have feedback/experience with extra fees on this card please add your feedback in the comments below.

Additional Comments:

This is a great credit card for students and those who think they might carry a balance or miss a payment. The interest rate is the key benefit of this card. Depending on your credit rating you could have an interest as low as 4.5% (Prime + 1.5%).

The low interest rate on the TD Emerald Visa makes it perfect for students who are just leaning to use credit and manage their personal finances. There is also a secured version of this card which means you’re pretty much guaranteed to be approved for the regular or the secured version.

The rental car preferred rates are also a nice benefit if you think you might be renting cars from Avis or Budget frequently.

The other benefit that might be handy for students is the available emergency cash advance. While we wouldn’t recommend using a credit card cash advance due to the high interest rates it is a nice feature to have for students.

Best Student Credit Card Canada: Final Thoughts

This credit card is perfect for students or those with a balance. It’s a great way to learn about credit and how to manage personal finances without getting hit with those +20% interest rates that are typical on rewards/travel cards. The low interest rate and small annual fee is why we believe this is the best student credit card Canada.


Check Out The Best Credit Cards In Canada!

Best Travel Card
Best Rewards Card
Best Cashback Card
Best Secured Card
Best Low Interest Card
Best Bad Credit Card
Best Student Card
Best Prepaid Cards
Best Business Card



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