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TD Ameritrade Client Rewards Card review

A straightforward cashback card with added value for brokerage clients.

  • Get this card if: You’re looking for a flat cashback card and you’re a TD Ameritrade brokerage client.
  • Pick something else if: You want more varied or specific reward rates.
  • Apply with a good to excellent credit score of 670 or higher.

1.5x points on all purchases



Annual fee

17.49%, 19.49% or 24.49% variable

Purchase APR


Minimum Credit Score


Annual fee$0
Welcome offer10,000 points after spending $500 in the first 90 days
Rewards1.5x points on all purchases
Purchase APR17.49%, 19.49% or 24.49% variable
Balance transfer APR17.49%, 19.49% or 24.49% variable
Minimum Credit Score670

Review by

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.

Expert review

The TD Ameritrade Client Rewards Card is a cashback rewards card designed with Ameritrade brokerage clients in mind.

While your earnings are flat across all spending categories, its signup bonus and no annual fee make this a solid rewards card.

The perks

  • Flat rewards rate.
    You’ll earn a flat 1.5% rewards on all eligible purchases using your card.
  • Signup bonus.
    You’ll earn 10,000 bonus points if you spend $500 within the first 90 days of opening the account.
  • Redemption bonus.
    Ameritrade clients receive an additional 10% value on their points when they redeem them into their Ameritrade accounts. That means brokerage clients choosing to put 50,000 points into their account will receive the equivalent of 55,000 points instead.
  • No annual fee.
    This card features no annual fee for cardholders.

You’ll also like…

  • No point cap.
    You can earn as many points as you like without worrying about a cap.
  • Points don’t expire.
    So long as your account is open, your points remain active.
  • Visa Zero Liability.
    You’ll receive Visa security on purchases and protections against unauthorized charges.
  • Visa Signature perks.
    If you qualify for a Visa Signature card, you’ll have access to several perks available through the program, including Visa Concierge and car rental insurance.

Compare TD Bank credit cards

What to watch out for

  • Average reward value.
    If you’re not redeeming your points into your Ameritrade account, your reward points are worth about 1 cent per point when redeeming for travel, gift cards or cash back.
  • Average variable APR.
    You could end up with a variable APR on purchases and balance transfers of 17.49%, 19.49% or 24.49% depending on your creditworthiness. This is a bit higher than the starting APRs for some of TD’s other credit cards.
  • High APR on cash advances.
    TD attaches a sizable 26.74% variable APR on any cash advances you take out.
  • Poor reward flexibility.
    You can only redeem your points as a statement by calling TD directly. You also can’t transfer your points to other rewards programs.
  • Modest perks.
    If you don’t qualify for a Visa Signature version of the card, your card perks are limited to a few simple card protections and the ability to add your card to your digital wallet.

Compare similar cashback cards

Name Product Welcome Offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
$300 statement credit after spending $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $300 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Capital One Quicksilver Cash Rewards Credit Card
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Blue Cash Everyday® Card from American Express
Earn a $200 statement credit after spending $2,000 in the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on other purchases (redeem as statement credit)
Earn a $200 statement credit after spending $2,000 in the first 6 months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees

Compare up to 4 providers

Bottom line

Ameritrade clients looking for a way to grow their account with their everyday spending will find a solid, low-risk choice in the TD Ameritrade Client Rewards Card. With no annual fee to worry about, it works great as a “fire and forget” way to earn rewards for your account.

If you’re looking for a rewards card with more sizable potential earnings or more ways to redeem your points at value, compare rewards card options to find a card that fits your spending habits.

Frequently asked questions


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