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TD Bank Credit Cards

Check out our special offers and find the credit card that meets your needs and has the benefits you want – like Cash Back Rewards, balance transfer offers and a credit card with a predictable minimum payment.

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Balance Transfer Credit Cards

Move outstanding debt from one of your credit cards at another financial institution to your TD credit card to help you manage your credit card debt.

  • TD Double UpSM Credit Card

    SPECIAL OFFER
    Apply now

    *Terms and conditions

    Earn 2% unlimited Cash Back – no rotating Spend Categories, no caps or limits

    Special offer: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening1

    Balance transfer: 0% intro APR* for the first 15 billing cycles after account opening. After that, 19.49%-29.49% variable APR based on your creditworthiness

    No annual fee*

    Find out more

  • TD Cash Credit Card

    SPECIAL OFFER
    Apply now

    *Terms and conditions

    Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases

    Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account2

    Balance transfer: 0% intro APR* for the first 15 billing cycles after account opening. After that, 19.49%-29.49% variable APR based on your creditworthiness

    No annual fee*

    Find out more

  • TD FlexPay Credit Card
    Apply now

    *Terms and conditions

    Our best balance transfer offer: 0% intro APR* for first 18 billing cycles after account opening. After that, 18.49%-28.49% variable APR based on your creditworthiness

    Late fee forgiveness – we'll automatically refund your first late fee each year. Please note, past due payments may impact your credit score.‡

    No annual fee*

     

    Find out more

Balance Transfer credit card FAQs

A balance transfer credit card allows you to transfer debt from one credit card to another card. 

Apply for a balance transfer credit card. Remember that applying for a new credit card can trigger a hard credit inquiry on your credit report which can impact your credit score.

Depending on the credit card, you may be able to initiate a balance transfer request during the application process itself. However, the balance transfer may not be initiated for a couple of weeks if not longer when you apply for the card.

Therefore, you should keep up at least the minimum payments on the account from which you transferred debt until the balance transfer appears on your new credit card account.

Additionally, you should keep in mind the credit limits and balance transfer limits, if any, on your new credit card account before initiating balance transfers to it.

A credit card balance transfer is a transfer of a balance from one credit card account to another. You may wish to transfer, for example, a balance from a high-interest-rate credit card to a credit card with a lower balance transfer interest rate. There may also be a balance transfer fee associated with each balance transfer you initiate. The balance transfer fee depends on the credit card, but it is often around 3 - 5% of the amount transferred. A balance transfer could enable you to pay off the debt faster and pay less total interest. When the introductory or promotional period ends, the interest rate for balance transfers you were informed of in your account opening terms and conditions or in your balance transfer promotion's terms and conditions will be applied to the balance.

For TD Bank credit cards, it may take 2 to 4 weeks to process a balance transfer request after your account is opened. Other issuers may vary in how long it can take to process a balance transfer request.

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TD Double Up Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

1For the TD Double Up credit cards, maximum bonus accumulation for this promotional offer is 15,000 Bonus Points, equal to $150 in the form of a statement credit. Provided your TD Double Up Card is open and in good standing, the 15,000 Bonus Points, equal to a $150 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $1,000 in total net purchases within 90 days of account opening. This offer only applies to new TD Double Up Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD Cash Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

2For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1000 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD FlexPay Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, balance transfer rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

‡Late fee forgiveness does not change your monthly payment requirement. Past due payments will be reported to credit bureaus subject to applicable law and standard practices. This may affect your credit score.

TD Clear Visa Platinum Credit Card with a $1,000 Credit Limit
*Read important Credit Card Terms and Conditions for account details. The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD Clear Visa Platinum Credit Card with a $2,000 Credit Limit
†Read important Credit Card Terms and Conditions for account details. The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD First Class Visa Signature Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

3Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net eligible purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1 mile for each dollar spent.

TD Cash Secured Credit Card
*Read important Card Terms Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

4The TD Cash Secured Credit Card can help build your credit with responsible use. TD Bank reports your account to the three major credit bureaus which can help you build or rebuild your credit if you use your credit card responsibly. Responsible use includes but is not limited to paying at least the minimum payment on time. Late payments and other derogatory activity may negatively impact your ability to build or rebuild your credit.

TD Business Solutions Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules.

5For the TD Business Solutions credit cards, maximum bonus accumulation for this promotional offer is 25,000 Bonus Points, equal to $250 in the form of a statement credit. Provided your TD Business Solutions Card is open and in good standing, the 25,000 Bonus Points, equal to a $250 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $1,500 in total net purchases within 90 days of account opening. This offer only applies to new TD Business Solution Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

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