Compare TD Bank Credit Cards

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Best for you if

You want to maximize your Cash Back rewards

You want a TD Credit Card for your business

You want to choose your Spend Categories

You're a frequent traveler and want no foreign transaction fees*

You want to build your credit4

You want our best balance transfer offer

You want to pay no interest – just a simple monthly fee*

You want to pay no interest – just a simple monthly fee

Introductory 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

Purchases: 0% intro APR* for the first 12 billing cycles after account opening.  After that 18.49%-28.49% variable APR based on your credit worthiness

Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening4

 

  • 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

 

  • Earn up to 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles of opening your account3
  • Balance transfer: 0% intro APR* for first 12 billing cycles after account opening. After that, 17.74% variable APR based on your creditworthiness

None

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

None 

None 

Key Features

  • Earn unlimited 2% Cash Back on all purchases

Earn unlimited 2% Cash Back on all eligible purchases - no rotating Spend Categories, no caps, or limits*

Employee Cards available

  • Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back. Plus, you can change your categories quarterly
  • Earn unlimited 1% Cash Back on all other purchases

Earn unlimited 3X First Class miles on travel and dining purchases and 1X miles on all other purchases2

  • Your savings account works as a security deposit and sets your credit limit*
  • Build your credit by making on-time payments
  • Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back. Plus, you can change your categories quarterly
  • Earn unlimited 1% Cash Back on all other purchases
  • You choose our best balance transfer offer
  • $1,000 credit limit
  • No interest, just a simple $10 monthly fee* 
  • Predictable minimum monthly payment
  • $2,000 credit limit
  • No interest, just a simple $20 monthly fee 
  • Predictable minimum monthly payment

Redeem Reward Points For

Cash Back, merchandise, gift cards or travel rewards

Cash Back, merchandise, gift cards or travel rewards

Cash Back, merchandise, gift cards or travel rewards

Cash Back, merchandise, gift cards or travel rewards

Cash Back, merchandise, gift cards or travel rewards

Not applicable

Not applicable

Not applicable

Annual or Membership Fee*,†

None

None

None

$89 annual fee (waived the first year)

$29 annual fee

None

$10 monthly fee ($120 annualized) 

$20 monthly fee ($240 annualized) 

Other Fees*,†

  • Balance Transfer Fees: $5 or 3% of transfer whichever amount is greater
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees: $5 or 3% of transfer whichever amount is greater
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees: $5 or 3% of transfer whichever amount is greater
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees: $5 or 3% of transfer whichever amount is greater
  • Foreign Transaction Fees: 0% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees: $5 or 3% of transfer whichever amount is greater
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees:  Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
  • Minimum Interest Charge: $1
  • Cash Advance Fee: $10 or 5% of advance whichever amount is greater
  • Balance Transfer Fees:  $0
  • Foreign Transaction Fees: $0
  • Balance Transfer Fees:  $0
  • Foreign Transaction Fees: $0

Annual Percentage Rate (APR) for Purchases*,†

19.49%, 24.49%, or 29.49% variable APR based on your creditworthiness

18.49%, 23.49% or 28.49% variable APR based on your creditworthiness

19.49%, 24.49%, or 29.49% variable APR based on your creditworthiness

17.74% variable APR

27.49% variable APR

18.49%, 20.49%, 23.49%, 26.49% or 28.49% variable APR based on your creditworthiness

Not applicable 

Not applicable 

Additional Benefits

Visa Signature Card Benefits§:

  • Cell phone protection
  • Car rental benefits
  • Visa concierge
  • Visa luxury hotel collection
  • Lost luggage reimbursement
  • Signature experience benefits
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Signature Card Benefits§:

  • Cell phone protection
  • Emergency card replacement
  • Roadside Dispatch®
  • Purchase Security
  • Extended Warranty Protection
  • Auto rental collision damage waiver
  • Travel and emergency assistance services
  • Lost/stolen card reporting

Visa Signature Card Benefits§:

  • Cell phone protection
  • Car rental benefits
  • Visa concierge
  • Visa luxury hotel collection
  • Lost luggage reimbursement
  • Signature experience benefits
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Signature Card Benefits§:

  • Cell phone protection
  • Car rental benefits
  • Visa concierge
  • Visa luxury hotel collection
  • Lost luggage reimbursement
  • Signature experience benefits
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Signature Card Benefits§:

  • Cell phone protection
  • Car rental benefits
  • Visa concierge
  • Visa luxury hotel collection
  • Lost luggage reimbursement
  • Signature experience benefits 
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Platinum Card Benefits§:

  • Cell phone protection
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Platinum Card Benefits§:

  • Cell phone protection
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

Visa Platinum Card Benefits§:

  • Cell phone protection
  • Emergency card replacement
  • Roadside Dispatch®
  • Lost/stolen card reporting

View Credit Card Agreements for TD Bank Credit Cards.

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 Credit 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 $1,000 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 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 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. For more information, see Terms and Conditions.

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 Credit Card 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. The person applying for the account is individually liable for the payment of all balances on the account and all cards issued pursuant to this application.

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.

§Visa Platinum and Signature Card Benefits
To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features

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