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Best TD Bank credit cards of 2021

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

Updated Jul 14, 2021. What changed?

Fact checked

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.

What are the best TD Bank credit cards?

TD Double Up℠ Credit Card: Best for flat cash back
TD Cash Credit Card: Best for cash back
TD First Class℠ Visa Signature® Credit Card: Best for the frequent traveler
TD Business Solutions Credit Card: Best for businesses
TD Cash Secured Credit Card: Best for rebuilding credit

Best for flat cash back

TD Double Up℠ Credit Card

Finder rating 4.3 / 5 ★★★★★

Read review

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.

Pros
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 $150 after you spend $1,000 within 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.
Cons
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	$150 cash back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Rewards	2% cash back

Welcome Offer	$150
Rewards	2% cash back
Annual Fee	$0
Minimum Credit Score	620

Read review

Best for category cash back

TD Cash Credit Card

Read review

TD Cash Credit Card offers strong cashback rates on some of the most common purchasing categories and has no annual fee.

Pros
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%.
Cons
Not available in all states. Unfortunately, if you live in a state without a TD Bank branch, you won't be able to apply for the card.

Potentially high APR. Depending on your creditworthiness, you could get a variable APR in the higher end of 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
Rewards	3% cash back

Welcome Offer	$150
Rewards	3% cash back
Annual Fee	$0
Minimum Credit Score	680

Read review

Best for the frequent traveler

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Best for businesses

TD Business Solutions Credit Card

Read review

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.

Pros
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 $1,500 within the first 90 days of account opening and earn $250 cash back.
Cons
No intro APR period. If you're stuck paying a high APR on another card, look for a balance transfer card to help you out.

Credit limit. If you apply for this card with average credit, you could be stuck with a low $500 credit limit. If you plan to use this card on everyday expenses, you might need a higher maximum.

Welcome Offer	$250
Rewards	2% cash back
Annual Fee	$0
Minimum Credit Score	740

Read review

Best for rebuilding credit

TD Cash Secured Credit Card

Read review

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.

Pros
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.
Cons
High APR. You'll have a variable purchase APR of 22.99% when you open your account. This same rate applies to balance transfers as well.

Annual fee. You'll need to pay an annual fee of $29 to use this card. Note that some brand's secured cards require no annual fee for use.

Annual fee	$29
Purchase APR	22.99% variable
Balance transfer APR	22.99% variable
Welcome Offer	N/A
Rewards	3x points

Welcome Offer	n/a
Rewards	3x points
Annual Fee	$29
Minimum Credit Score	300

Read review

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.

Thank you for your feedback!

Steven Dashiell

Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Compare TD Bank balance transfer credit cards TD Double Up℠ Credit Card review

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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	$250 cash back after spending $1,500 in the first 90 days
Rewards	2% cash back

Best TD Bank credit cards of 2021

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

In this guide

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We compare the following brands

What are the best TD Bank credit cards?

Best for flat cash back

TD Double Up℠ Credit Card

Pros and cons

More details

Best for category cash back

TD Cash Credit Card

Pros and cons

More details

Best for the frequent traveler

Best for businesses

TD Business Solutions Credit Card

Pros and cons

More details

Best for rebuilding credit

TD Cash Secured Credit Card

Pros and cons

More details

Alternatives to TD Bank credit cards

Bottom line

Steven Dashiell

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