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Compare TD Bank balance transfer credit cards

Two TD Bank cards offer a 0% intro APR for balance transfers.

TD Bank offers two credit cards with a 0% intro APR period on balance transfers. One offers a slightly longer period, but it also offers a potentially higher interest rates after the intro period expires. What both cards have in common is that they come with the same balance transfer fee.
It’s noteworthy that other banks have removed their balance transfer offers within the last year, but TD Bank still offers two cards with solid balance transfer options.

Compare TD Bank balance transfer credit cards

TD Bank currently offers five credit cards. Two of them have a 0% intro APRs for balance transfers. When comparing these two cards, consider the length of the introductory interest-free period and the type of rewards you’ll earn on your purchases.

1 - 3 of 3
Name Product Amount saved Balance transfer APR Balance transfer fee Minimum Credit Score Filter values
TD Double Up℠ Credit Card
0% intro for the first 18 billing cycles (then 17.24%, 22.24% or 27.24% variable) Balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
$5 or 3% of the transaction, whichever is greater
Earn up to 2% cash back. 1% cash back on purchases plus 1% when you redeem into an eligible TD Bank Deposit Account. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
TD Cash Credit Card
0% intro for the first 12 billing cycles (then 17.24%, 22.24% or 27.24% variable) Balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
$5 or 3% of the transaction, whichever is greater
Earn 3% back on dining, 2% cash back at grocery stores and 1% cash back on other purchases
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
Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles.

Compare up to 4 providers

How to complete a TD Bank balance transfer

  1. Compare your options. Look at the card’s 0% intro APR period, how long it lasts and the APR that applies after that. Choose the card that best fits your needs.
  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. Submit your application. If approved, expect your card to arrive within 7 to 10 days. However, this doesn’t mean your balance transfer has been completed.
  4. 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.

Note: You can also request your balance transfer by phone. Call 888-561-8861 to start the procedure.

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

Details you need to know before getting started

Applying for a balance transfer is a straightforward process, but there is the fine print to keep in mind.

  • Balance transfer fees. Both TD cards that come with a balance transfer intro APR period come with a 3% fee of the amount transferred with a $5 minimum fee. This means a balance transfer of $7,500 will cost you $225 in transfer fees.
  • Balance transfer amount. TD Bank doesn’t disclose the amount you can transfer. Typically, you can transfer either up to 95% or 100% of your available credit limit including balance transfer fees.
  • Originating bank. Banks rarely allow transferring a balance from the same bank, including affiliated institutions. This means you can’t make a balance transfer from another TD Bank credit card.
  • What happens after the intro period ends? If you still have an unpaid balance after the intro APR period ends, you start to accrue interest at the revert APR.

Benefits and drawbacks of a balance transfer with TD Bank


  • 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 17.24% 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.


  • You’ll find better intro APRs with other providers. Many providers offer intro APRs longer than 12 months, and some balance transfer cards offer 21 months.
  • There’s no card with a 0% intro APR and $0 promotional balance transfer fees. If these are important to you, consider products such as the BankAmericard® Credit Card.

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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