Compare TD Bank balance transfer credit cards

Compare TD Bank balance transfer credit cards

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

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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 months (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	Apply now View details	Compare	loading Fetching your data...
TD First Class℠ Visa Signature® Credit Card			0% intro for the first 12 billing cycles (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.	View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...
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.	View details	Compare	loading Fetching your data...
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.	See offer View details	Compare	loading Fetching your data...

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What debts are eligible for a balance transfer with 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.

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?

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.

Frequently asked questions

• Can I make a balance transfer over the phone?

  Yes. Call 888-561-8861.

• Can I request a credit limit increase?

  Yes. Call 888-561-8861. Keep in mind that a credit limit increase may result in a hard credit pull, which typically lowers your credit score by a few points.

• What if I don't pay off my balance transfer before my intro APR expires?

  You’re allowed to carry a balance as your intro APR expires. However, the balance will accrue interest at the ongoing APR.