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Best TD Bank credit cards of 2021

A decent lineup of cards, but there are better options available.

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Steven Dashiell
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With only 6 cards to choose from, TD Bank has a limited selection of cards compared to larger providers. However, there are a few solid cards that can prove useful in your wallet.

When narrowing our list of the best TD Bank credit cards, we only compared TD’s card lineup against one another – not against other cards on the market. The largest factors in our ultimate placements came down to the card’s reward structure, signup bonus, and whether it served a specific niche such as businesses. With that said, there are stronger cards on the market – but if you already have a TD Bank account or they’re one of your few choices, here are your best choices.

Best for flat cash back
TD Double Upâ„  Credit Card

TD Double Upâ„  Credit Card logo
Finder Rating: 4.3 / 5

★★★★★

Credit recommended (670-850)
Apply now
on TD Bank's secure site
670
Min. credit score
$0
Annual fee
Up to 2%
Cash back
$75
Welcome offer
The TD Double Up℠ Credit Card fills the flat rate cash back niche missing from TD Bank’s rewards lineup. So long as you deposit your earnings into a TD Bank account, you’ll earn 2% back on your purchases.
  • Cash back. You’ll earn 1% cash back on your purchases and another 1% cash back when you redeem those earnings into an eligible TD Bank account.
  • No annual fee. You won’t pay an annual fee to use this credit card. Signup bonus. Earn $75 after you spend $500within your first 90 days of account opening.
  • Introductory APR. Enjoy a 0% intro APR on balance transfers for 15 billing cycles, reverting to 14.99%, 19.99% or 24.99% variable.
  • Must have a TD Bank account for max rewards. You need to redeem your rewards into an eligible TD Bank account to earn the full 2%.
Annual Fee $0
Purchase APR 14.99%, 19.99% or 24.99% variable
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.99%, 19.99% or 24.99% variable)
Welcome offer $75 cash back in the form of a statement credit when you spend $500 within the first 90 days after account opening
Estimated welcome offer value
Rewards Up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account

Best for category cash back
TD Cash Credit Card

TD Cash Credit Card logo
Credit recommended (680-850)
Apply now
on TD Bank's secure site
680
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$150
Welcome offer
TD Cash Credit Card offers strong cashback rates on some of the most common purchasing categories and has no annual fee.
  • No annual fee. Since there's no annual fee, you get to keep all the cash back you earn.
  • Solid earning potential. Earn 3% cash back on all types of dining, 2% cash back on groceries, and 1% cash back on all other eligible purchases.
  • Easy signup bonus. Earn $150 cash back when you spend $500 within 90 days of opening your account.
  • Introductory APR. TD offers a 0% intro APR on balance transfers for the first 15 billing cycles and purchases for the first 6 billing cycles, reverting to a variable 12.99%, 17.99% or 22.99%.
Annual Fee $0
Purchase APR 0% intro for the first 6 billing cycles (then 12.99%, 17.99% or 22.99% variable)
Balance transfer APR 0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
Welcome offer $150 after spending $500 in the first 90 days
Estimated welcome offer value
Rewards 3% on dining, 2% at grocery stores and 1% on all other eligible purchases

Best for the frequent traveler
TD First Class℠ Visa Signature® Credit Card

TD First Class℠ Visa Signature® Credit Card logo
Finder Rating: 3.5 / 5

★★★★★

Credit recommended (740-850)
Read review
740
Min. credit score
$89 ongoing
Annual fee
Up to 3x
Miles
25,000
Miles welcome offer
Dining out and occasional travel are the primary reward winners with the TD First Class℠ Visa Signature® Credit Card. This card also boasts a low variable APR of 13.24%% on purchases and balance transfers.
  • Big reward earnings. Earn 3x First Class miles no matter which airline you fly. Continue your earnings by spending on hotels, car rentals, cruises and dining. All other purchases earn you 1x miles.
  • Signup bonus. Earn an introductory 25,000 bonus miles when you spend $3,000 within your first 6 billing cycles.
  • Intro annual fee. TD waives your annual fee during the first year. After that, it reverts to $89 a year.
  • Intro APR. You will receive a 0% intro APR on balance transfers for the first 12 billing cycles. after account opening, then 13.24% variable.
Annual Fee $0 intro annual fee for the first year ($89 thereafter)
Purchase APR 13.24% variable
Balance transfer APR 0% intro for the first 12 billing cycles (then 13.24% variable)
Welcome offer 25,000 miles after spending $3,000 in the first 6 billing cycles
Estimated welcome offer value $250 based on Finder's valuation
Rewards 3x miles on travel and dining and 1x miles on all other purchases

Best for businesses
TD Business Solutions Credit Card

TD Business Solutions Credit Card logo
Credit recommended (740-850)
Read review
740
Min. credit score
$0
Annual fee
Up to 2%
Cash back
$150
Welcome offer
With reward categories focused on business needs and no annual fee, you'll find great value on standard business purchases with the TD Business Solutions Credit Card.
  • Rewards on business expenses. Earn 2% cash back on business utilities such as phone, internet and cable services, dining and gas and on all other eligible purchases when you redeem into an eligible TD Bank Deposit Account.
  • Variable APR. Your purchase APR will be 13.99%, 18.99% or 23.99% variable.
  • No annual fee. With no annual fee to worry about, its even easier to earn on your business expenses.
  • Signup bonus. Spend $1,000 within the first 90 days of account opening and earn $150 cash back.
Annual Fee $0
Purchase APR 13.99%, 18.99% or 23.99% variable
Balance transfer APR 13.99%, 18.99% or 23.99% variable
Welcome offer $150 cash back after spending $1,000 in the first 90 days
Estimated welcome offer value
Rewards 1% back on all eligible purchases
Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account

Best for rebuilding credit
TD Cash Secured Credit Card

TD Cash Secured Credit Card logo
Credit recommended (300-579)
Read review
300
Min. credit score
$29
Annual fee
Up to 3x
Points
n/a
Welcome offer
Few secured cards offer a rewards program, but the TD Cash Secured Credit Card bucks the trend. You'll earn cash back on some of the more common purchases you will make as you rebuild your credit.
  • Rewards program. Earn 3% cash back on dining purchases, 3% cash back at grocery stores and 1% cash back on all other eligible purchases.
  • Low annual fee. You will only pay $29 each year for your annual fee.
  • Graduate to a new card. TD may offer you an unsecured credit card if you keep your account in good standing and dont miss any payments.
Annual Fee $29
Purchase APR 22.99% variable
Balance transfer APR 22.99% variable
Welcome offer N/A
Estimated welcome offer value
Rewards 3% back on dining, 2% back on groceries and 1% back on all other purchases

Alternatives to TD Bank credit cards

There are several great providers out there that provide the types of cards offered by TD Bank and more. In fact, you’re likely to find cards that are more lucrative or that have better features than you’d find on a TD Bank credit card.

Bottom line

While the best TD Bank credit cards aren’t the strongest on the market, you have a few solid options that can help you earn rewards or build your credit score as you transition to other cards. You can compare all of TD Bank’s credit cards for even more options, or check out our best credit cards of 2021 for a look at our favorites from all providers.

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