finder.com
US
AU
NZ
UK
CA
SG
More
US
AU
NZ
UK
CA
SG
More
Advertiser Disclosure

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

TD Ameritrade Client Rewards Card review

Steven Dashiell
Steven Dashiell
Last updated:  

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.

$100

Welcome offer

Up to 1.5x

Points

$0

Annual fee

17.49%, 19.49% or 24.49%

Purchase APR (variable)

Details

Product NameTD Ameritrade Client Rewards Card
Card typeVisa
Annual fee$0
Purchase APR17.49%, 19.49% or 24.49% variable
Balance transfer APR17.49%, 19.49% or 24.49% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $37
Returned payment feeUp to $37

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on Debt.com, CreditCards.com and Lifehacker.

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 Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Apply now
View details
Chase Freedom Flex℠
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Apply now
View details
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 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 all other purchases
$95
6% cash back at US supermarkets. Rates & fees
Apply now
View details
Citi® Double Cash Card
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Apply now
View details
Chase Freedom Unlimited®
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
Apply now
View details
loading

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

Images: td.com

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site