Compare TD Bank credit cards

TD Bank offers a smaller pool of credit cards compared to some of its competitors, but this simplicity means business owners or those rebuilding their credit can find a card that offers value without much fuss.

Compare TD Bank credit cards

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

For the frequent traveler: TD First Class℠ Visa Signature® Credit Card

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 14.74% on purchases and balance transfers.

• The perks

  • Big reward earnings. Earn 3x First Class miles no matter which airline you fly. Continue your earnings by spending on hotels, car rentals 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.

For cash back: TD Cash Credit Card

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

• The perks

  • 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 14.49%, 19.49% or 24.49%.

For businesses: TD Business Solutions Credit Card

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.

• The perks

  • 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 14.74% variable.
  • No annual fee. With no annual fee to worry about, it’s even easier to earn on your business expenses.

For rebuilding credit: TD Cash Secured Credit Card

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’ll make as you rebuild your credit.

• The perks

  • Rewards program. Earn 3% cash back on dining purchases, 2% cash back at grocery stores and 1% cash back on all other eligible purchases.
  • Low annual fee. You’ll 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 don’t miss any payments.

Our pick for a TD Bank credit card

TD Cash Credit Card

• Earn $150 cash back when you spend $500 within 90 days after account opening
• Earn 3% cash back on dining
• Earn 2% cash back at grocery stores
• Earn 1% cash back on all other eligible purchases
• $0 annual fee
• $0 foreign transaction fee
• Visa Zero Liability
• Instant credit card replacement
• Digital wallet
• Contactless payments

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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.	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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Full list of TD Bank credit cards

How to apply for a TD Bank credit card

Visit TD Bank’s website and apply online. 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:

• 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

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. 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.

Does TD Bank offer credit cards without foreign transaction fees?

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.

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 worth 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.