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Compare TD Bank balance transfer credit cards

You can initiate the balance transfer process as you apply for the card.

Updated

Fact checked

Our pick for a TD Bank balance transfer card: TD Cash Credit Card

TD Cash Credit Card logo

Up to 3%

Cash back

  • 15 billing cycles of intro APR on purchases and transfers
  • Cash back in popular categories: 3% on dining, 2% at grocery stores
Apply now
Though TD Bank’s intro APRs aren’t spectacular, its cards offer attractive rewards to the right customers.

Compare TD Bank balance transfer credit cards

TD Bank currently offers five credit cards. Two of them have intro APRs for balance transfers.

%
Name Product Amount saved Balance transfer APR Balance transfer fee Recommended minimum credit score Filter values
TD Cash Credit Card
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$5 or 3% of the transaction, whichever is greater
680
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. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD First Class℠ Visa Signature® Credit Card
0% intro for the first 12 billing cycles after Account opening. (then 13.24% variable)
$5 or 3% of the transaction, whichever is greater
740
Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles.
TD Aeroplan™ Visa Signature® Credit Card
15.99%, 20.99% or 24.99% variable
$5 or 3% of the transaction, whichever is greater
670
Earn up to 25,000 bonus miles when you spend $6,000 on purchases within the first 6 billing cycles.
TD Cash Secured Credit Card
22.99% variable
$5 or 3% of the transaction, whichever is greater
300
Build or repair your credit and earn cash back on everyday purchases. Use it like any credit card to make purchases and earn rewards.
TD Ameritrade Client Rewards Card
17.49%, 19.49% or 24.49% variable
$5 or 3% of the transaction, whichever is greater
670
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.
TD Business Solutions Credit Card
12.99%, 17.99% or 22.99% variable
$5 or 3% of the transaction, whichever is greater
740
Earn $300 cash back when you spend $3,000 on purchases within the first 90 days after account opening.
CardMatch™ from creditcards.com
See issuer's website
300
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Compare up to 4 providers

The bank’s business and secured products don’t offer intro APRs. Neither does the TD Aeroplan™ Visa Signature® Credit Card.

What debts are eligible for a balance transfer with TD Bank?

You can transfer…

  • Balances from non-TD Bank credit cards.

You can’t transfer…

  • Debt owed to TD Bank.

Can I transfer balances to another TD Bank card?

No. This is a standard policy across most banks since balance transfers are typically used to lure customers from other providers.

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How to apply for a balance transfer with TD Bank

  1. Compare your options.
    Look at various cards’ features and benefits to determine the right fit for you. Make sure the card you apply for has a 0% intro APR period on balance transfers.
  2. Apply for the card.
    TD Bank lets you request multiple balance transfers while you fill out your credit card application form. Prioritize which balance transfers you’ll need first because your credit limit may not allow all requests to process.
  3. Wait for your balance transfer to finish.
    It may take between two and four weeks for the balance transfer to process. Keep paying your old balance until the balance transfer is complete.

Eligibility requirements

You may apply for a TD Bank credit card if you:

  • Are at least 18 years of age, 19 if you live in Alabama or Nebraska and 21 if you live in Mississippi.
  • Are a US resident.
  • Have a US address.
  • Have a valid Social Security number or Individual Taxpayer Identification Number.

What do I need to apply?

Have the following information on hand when applying for a TD Bank card:

  • Full name
  • Phone number and email address
  • Residential address, residential status, and monthly rent or mortgage
  • Social Security number and date of birth
  • Employment information and total annual income

What are the benefits and drawbacks of a balance transfer with TD Bank?

Pros

  • You may qualify for a relatively low ongoing APR.
    The TD Cash Credit Card has an ongoing purchase and balance transfer APR as low as 12.99% variable. The TD First Class℠ Visa Signature® Credit Card has one ongoing 13.24% variable purchase and balance transfer APR.

    You’ll have a better chance of qualifying for a low APR if you have excellent credit.

  • Earn rewards.
    The TD Cash Credit Card offers attractive cash back on select everyday purchases. Consider the TD First Class℠ Visa Signature® Credit Card if you travel and dine out frequently, as you can earn up to 3x points.

Cons

How long will it take to complete a balance transfer with TD Bank?

Allow two to four weeks for your balance transfer to complete.

I got the card. Now what?

  • Check that your balance transfer is complete. Check your card’s transaction details and look for your transfer to post. You can also call TD Bank support to verify its completion.
  • Make payments on time. Consider setting up automatic payments to avoid late fees and to keep your intro APR intact.

    Also, consider breaking up your balance transfer debt into monthly payments so you can pay it off before your intro APR expires.

  • Contact customer support. Call TD Credit Card Services at 888-561-8861. You can also reach customer support at TD Bank’s customer support forum or tweet the bank @TDBank_US.

Bottom line

TD Bank balance transfer cards offer rewards, and you may qualify for a relatively low APR.

But if you’re not sure a TD Bankcard is best for your balance transfer, compare other credit cards to find the best balance transfer card for your situation.

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