Our pick for a TD Bank card: TD Cash Credit Card
Up to 3%
- 15 months of intro APR on transfers
- Cash back in popular categories: 3% on dining, 2% at grocery stores
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TD Bank offers a smaller pool of credit cards compared to some of its competitors. This makes it easy to compare all TD bank credit cards available and find the one that best fits your financial needs without much fuss. Here’s the card lineup and how you can choose and apply for the right one for you.
You can also visit your local TD Bank branch or call a TD Bank banking specialist at 888-751-9000.
Before you apply, you’ll need to make sure you meet the eligibility criteria:
TD Bank pulls your Experian credit score when evaluating your application, according to a TD Bank representative we spoke to.
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 also apply for more than one card at once.
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:
Of TD Bank’s credit card options, you have two that require no-annual-fee:
Credit card annual fees often, but not always, indicate a higher number of perks or rewards on the card than cards with no annual fee. Of TD Bank’s rewards cards, those with annual fees don’t earn more rewards than their no-annual-fee counterparts. Instead, the annual fee gets a few other small upgrades, such as a larger welcome offer and lower APR.
Given the small selection of TD Bank credit cards available, there are a few specific areas to review to make the right choice:
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.
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.
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.
TD Bank uses firewalls, encryption and other industry-wide 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.
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. You can check out the best TD Bank cards here.
Compare your other provider options for a better sense of what cards are available to suit your unique needs.
The Best TD Bank credit cards are solid, but nothing special.
Consider TD Bank if you want a balance transfer credit card with potentially solid rewards.
None of the provider’s cards have foreign transaction fees.
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