Our pick for a TD Bank card: TD Cash Credit Card
Up to 3%
- 15 billing cycles of intro APR on purchases and transfers
- Cash back in popular categories: 3% on dining, 2% at grocery stores
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Our pick for a TD Bank card: TD Cash Credit Card
Up to 3%
A few TD Bank cards are worth taking a closer look:
|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|
|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|
|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|
|Purchase APR||22.99% variable|
|Balance transfer APR||22.99% variable|
|Rewards||3% back on dining, 2% back on groceries and 1% back on all other purchases|
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 apply for more than one card at once.
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.
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.
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.
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.
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.
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:
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 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.
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.
Earn flat 1.5% cashback on all purchases or save money with balance transfers.
Build your credit with this unsecured credit card.
If you need to remove a tree from your property, consider paying with plastic.
Earn rewards on your Wyndham purchases and get complimentary elite status.
Earn rewards on travel, dining, public transportation and other categories you spend the most in.
Earn rewards on your Wyndham purchases and get Wyndham benefits with elite status.
Earn flat 1.5x points on everything you buy or save money with a balance transfer.
Earn rewards on your Sally Beauty purchases and redeem them for store coupons.
Earn cash back on your purchases and build your credit.
A no-annual-fee card with tools to protect your funds and build credit.
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