Best TD Bank credit cards of 2020

Best TD Bank credit cards

A few TD Bank cards are worth taking a closer look:

Best for cash back
TD Cash Credit Card

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

• Info
• Pros & cons
• Details

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 and purchases for the first 15 billing cycles after you open your account, reverting to a variable 12.99%, 17.99% or 22.99%.

Annual Fee	$0
Purchase APR	0% intro for the first 15 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% 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

Finder Rating: 3.5 / 5

★★★★★

Credit recommended (740-850) Read review

740
Min. credit score

$89 ongoing
Annual fee

Up to 3x
Miles

$250
Miles welcome offer

• Info
• Pros & cons
• Details

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.. 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 after Account opening. (then 13.24% variable)
Welcome offer	25,000 miles after spending $3,000 in the first 6 billing cycles
Rewards	3x miles on travel and dining and 1x miles on all other purchases

Best for businesses
TD Business Solutions Credit Card

Credit recommended (740-850) Read review

740
Min. credit score

$0
Annual fee

Up to 3%
Cash back

$300
Welcome offer

• Info
• Pros & cons
• Details

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 3% cash back on business utilities such as phone, internet and cable services. Other rewards include 2% cash back on dining and gas and 1% back on all other eligible purchases.
• Intro APR. TD will provide a 0% introductory APR on purchases for the first 6 billing cycles after you open your account. After that, your purchase APR will be 12.99%, 17.99% or 22.99% variable.
• No annual fee. With no annual fee to worry about, its even easier to earn on your business expenses.
• Signup bonus. Spend $3,000 within the first 90 days of account opening and earn $300 cash back.

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	12.99%, 17.99% or 22.99% variable
Welcome offer	$300 cash back after spending $3,000 in the first 90 days
Rewards	3% back on phone, internet and cable, 2% back on dining and gas and 1% back on all other purchases

Best for rebuilding credit
TD Cash Secured Credit Card

Credit recommended (300-579) Read review

300
Min. credit score

$29
Annual fee

Up to 3x
Points

n/a
Welcome offer

• Info
• Pros & cons
• Details

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
Rewards	3% back on dining, 2% back on groceries and 1% back on all other purchases

Looking for a new card? Take our quiz to find the best fit.

Compare TD Bank credit cards

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
TD Cash Credit Card		$150 after spending $500 in the first 90 days	3% on dining, 2% at grocery stores and 1% on all other eligible purchases	$0		3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...
TD First Class℠ Visa Signature® Credit Card		25,000 miles after spending $3,000 in the first 6 billing cycles	3x miles on travel and dining and 1x miles on all other purchases	$0 intro annual fee for the first year ($89 thereafter)		Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles.	View details	Compare	loading Fetching your data...
TD Aeroplan™ Visa Signature® Credit Card		25,000 miles after spending $6,000 in the first 6 billing cycles	2x miles on Air Canada and 1x miles on other purchases	$0 intro annual fee for the first year ($95 thereafter)		Earn up to 25,000 bonus miles when you spend $6,000 on purchases within the first 6 billing cycles.	View details	Compare	loading Fetching your data...
TD Cash Secured Credit Card		N/A	3% back on dining, 2% back on groceries and 1% back on all other purchases	$29		Build or repair your credit and earn cash back on everyday purchases. Use it like any credit card to make purchases and earn rewards.	View details	Compare	loading Fetching your data...
TD Ameritrade Client Rewards Card		10,000 points after spending $500 in the first 90 days	1.5x points on all purchases	$0		Earn 10,000 bonus points which can be redeemed for $100 cash back when you spend $500 in purchases within 90 days after account opening.	View details	Compare	loading Fetching your data...
TD Business Solutions Credit Card		$300 cash back after spending $3,000 in the first 90 days	3% back on phone, internet and cable, 2% back on dining and gas and 1% back on all other purchases	$0		Earn $300 cash back when you spend $3,000 on purchases within the first 90 days after account opening.	View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...

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How to apply for a TD Bank credit card

1. Visit the TD Bank website and navigate to the credit cards page.
2. When you find the right card, click Apply now.
3. Answer whether you’re an existing TD Bank customer.
4. Complete the application form with information such as your full name, contact information, Social Security number, occupation and annual income.
5. Review your information and submit your application.

You can also visit your local TD Bank branch or call a TD Bank banking specialist at 888-751-9000.

Application requirements

Before you apply, you’ll need to make sure you meet the eligibility criteria:

• You’re a US citizen or permanent resident of the US
• You have a current US street address
• You have a US Social Security number
• You’re at least 18 years of age

TD Bank pulls your Experian credit score when evaluating your application, according to a TD Bank representative we spoke to.

How many TD Bank cards can I have?

According to a TD Bank representative we spoke to, there’s no limit to the number of cards you can have from the issuer. You can apply for more than one card at once.

Types of TD Bank credit cards

TD Bank offers only four credit cards, but they cover different ground. They fall into the categories of travel, cash back, secured and small business. Here’s what you can expect from these cards and how they stack up to similar products.

Travel

For its price, TD Bank’s travel card offers above-average rewards in travel and dining. At the same time, it lacks the option to transfer miles to travel partners, and it lags behind the competition when it comes to a signup bonus.

Typical benefits

• Accelerated rewards on travel and dining. You’ll receive a strong rewards rate in this category. Another travel card at a comparable price might offer only a 2% rewards rate in these categories.
• Signup bonus. TD Bank’s travel-card signup bonus isn’t particularly strong. However, you’ll have a longer period of time to qualify for it than you’ll get with other cards.
• Annual fee waived for the first year, then $89. This is always a welcome touch. Some comparable cards — such as the Chase Sapphire Preferred® Card — don’t have waived annual fees.
• Intro APR. There’s a balance transfer intro APR, which you won’t often find with a mid-tier travel card.

TD Bank travel cards

• TD First Class℠ Visa Signature® Credit Card

Cash back

TD Bank offers a cashback card that’s pretty standard: It has no annual fee, a signup bonus worth $150 and a purchase and balance transfer intro APR.

However, the card’s rewards structure is fairly unique. You’ll find bonus cash back on dining and at grocery stores, as opposed to the flat-rate rewards offered by many no-annual-fee competitors.

Typical benefits

• No annual fee. You won’t pay anything to own the card.
• Accelerated cash back on dining and groceries. You’ll find good dining rewards, especially for a no-annual-fee credit card. Other cards offer better grocery rewards, but TD Bank’s rewards are still solid in this category.
• Signup bonus. The TD Cash Credit Card‘s signup bonus is standard among competitors.
• Intro APR. You’ll find a good intro APR on purchases and balance transfers.

TD Bank cashback cards

• TD Cash Credit Card

Secured

As far as secured cards go, TD Bank’s product is a sleeper hit. Its rewards are some of the best on the market, and you’ll have a clear path to upgrading to an unsecured card. Just watch out for the minimum deposit, which is higher than you’ll find with other top cards.

Typical benefits

• Rewards. This is relatively unusual for a secured card. Even more unusual: You’ll earn 3% cash back on dining and 2% cash back at grocery stores. These are excellent rewards rates for a secured card.
• Credit line of $300 to $5,000. You’ll find cards with lower minimum deposits and higher maximums. Many products have minimums of $200.
• Chance to upgrade. If you use and maintain your card for seven consecutive billing cycles while keeping it in good standing, you may receive an automatic upgrade to an unsecured TD Bank card. This means TD Bank will return your deposit while you continue to use your card account.

TD Bank secured cards

• TD Cash Secured Credit Card

Business

TD Bank offers a decent no-annual-fee business card with cash back. If you like this product, however, consider the Ink Business Cash℠ Credit Card. It comes with a higher signup bonus, superior rewards and a better intro APR.

Typical benefits

• No annual fee. You won’t pay anything to own the card.
• Tiered cash back. You’ll earn bonus rewards in select business categories.
• Signup bonus. The bonus isn’t bad, especially considering some of Amex’s small-business cards don’t have welcome offers at all.
• Intro APR. It’s nice to have an intro APR, even though you’ll find better ones with other business credit cards.

TD Bank cashback cards

• TD Business Solutions Credit Card

Typical card features and benefits of a TD Bank credit card

TD Bank offers a straightforward collection of credit cards with to-the-point rewards and few frills. You’ll find some TD Bank credit cards with no annual fee and others with intro annual fees. You’ll find some TD Bank credit cards without foreign transaction fees and other travel benefits. With that said, many TD Bank credit cards offer a few common perks:

• Instant credit card replacement. You can visit your nearest TD Bank to receive an immediate replacement card if your card is ever lost or stolen.
• Visa Zero Liability. Most TD Bank credit cards come with Visa Zero Liability protection. You’ll have Visa security on your purchases as well as protection against unauthorized charges on your account.
• Chip protection. All TD Bank cards are equipped with a chip for security and greater accessibility abroad.
• Digital wallet. You can add your TD Bank credit card to your mobile device for easy purchases online and in-store.

TD Bank rewards program

TD Bank offers just one type of reward currency through its program, alternatively referred to as points or miles depending on the card you have.

How can I redeem points/miles?

All points accrued through your TD card are redeemable for merchandise, statement credits or travel. You can apply these to prior purchases or redeem them by visiting the TD card services webpage or calling 888-561-8861.

How much are the points/miles worth?

According to the provider site at the time of writing, each point is worth at least 1 cent when redeemed for travel, gift cards or cash back. Your points may be worth less when redeemed on merchandise or similar purchases.

So assuming you spend $100 on a night dining out with the TD Cash Credit Card, you can expect 300 points for that purchase. If you maintain that spending each month, you’re looking at earnings of 3,600 points on dining alone at the end of your first year.

How does TD Bank keep my credit card information secure?

TD Bank uses firewalls, encryption and other industrywide security practices to protect your information during the application process. This protection extends to use of the TD Bank website and mobile apps, and TD Bank employs single-use security codes to verify your identity online.

Your credit card is also protected by Visa Zero Liability to better shield you from unauthorized use of your account.

Full list of TD Bank credit cards

Bottom line

TD Bank offers a small but straightforward collection of credit cards that provide great value for travelers, small-business owners and those looking for decent rewards on their spending.

Compare your other provider options for a better sense of what cards are available to suit your unique needs.

Frequently asked questions

• What is the minimum number of points I need for redeeming?

  You’ll need to accrue at least $25 worth of points in order to redeem on a reward.

• Where can I view my account statement?

  You can view and print your account statements by logging into your TD Bank account at the TD Bank website.

• When will I get my secured card?

  You’ll receive your secured card shortly after completing your security deposit in full. You have 15 days after credit approval to make this deposit.

• Will my reward points always be worth 1 cent a piece?

  TD Bank reserves the right to change the details of its reward program, including point values. Currently, only travel, gift card and cash back redemptions are always worth at least 1 cent per point.

• When will I get my intro bonus miles/points?

  TD Bank will post your points to your account within six to eight weeks after you meet the eligibility requirements for the bonus.