TD Bank offers just one card that features no foreign transaction fees, the TD First Class Visa Signature. This means that if this card doesn’t fulfill your needs, you’ll need to look to other providers for a suitable card.
TD Bank credit cards with no foreign transaction fee
- TD First Class℠ Visa Signature® Credit Card
Notable TD Bank foreign transaction fee credit cards
Though they have just one no foreign transaction fee credit card, TD Bank has a few foreign transaction fee cards of note.
|Card||Annual fee||Card type|
|TD Double Up℠ Credit Card||$0||Cash back|
|TD Cash Credit Card||$0||Cash back|
- The TD Double Up℠ Credit Card is TD Bank’s 2% unlimited cashback card, a card type that remains uncommon in the market.
- The TD Cash Credit Card on the other hand is a well-rounded category cashback card that also features a 12 billing cycles intro APR on balance transfers.
TD Bank charges 3% in foreign transaction fees
This is a common rate for foreign transaction fees among other providers, especially for non-travel cards.
How to compare TD Bank credit cards with no foreign transaction fee
Since there’s just one TD Bank card with no annual fees, you’ll want to compare how that card – the TD First class Visa – stacks up against competing provider offerings. Here are some factors to consider.
- Annual fee. The TD First Class℠ Visa Signature® Credit Card costs $89 annually after the initial intro period. Other providers can provide a range of annual fee options on their no foreign transaction fee cards, including no annual fee at all.
- Rewards. Travel and dining are the primary earning categories for the TD First Class℠ Visa Signature® Credit Card. Again, other providers can offer different categories.
- Signup bonus. Some, but not all, no foreign transaction fee cards offer signup bonuses. The TD First Class℠ Visa Signature® Credit Card happens to fall in this category, offering a respectable 15,000 bonus miles after your first purchase and 10,000 bonus miles when you spend $3,000 in your first 6 billing cycles.
- Intro APR. The TD First Class℠ Visa Signature® Credit Card possesses an intro APR on balance transfers for 12 billing cycles. This is notable as balance transfer offers are still slim in the market.
How much can I save with a TD Bank no foreign transaction fee card?
Making a purchase abroad with a standard TD Bank credit card will run you an additional 3% of each purchase. Here’s a quick look at the cash you can save by using the TD First Class Visa Signature.
- TD Double Up: $2,000 spent x 3%% = $60 in extra fees
- TD First Class Visa Signature: $2,000 spent x no foreign transaction fee = $0 in extra fees
Should I choose TD Bank for a no foreign transaction fee card
No, not if you can help it. It’s not that TD Bank’s no foreign transaction fee card is terrible, but other providers simply offer so many more options, many of which are stronger.
- Travel and dining rewards. The TD First Class Visa Signature earns respectable rewards on dining and travel purchases.
- Intro APR on balance transfers. TD Bank’s no foreign transaction fee card also happens to offer an intro APR on balance transfers.
- Just one choice. Your only option for a no foreign transaction fee card with TD Bank is a travel card. No cashback or general rewards cards from the provider offer no foreign transaction fees.
- Annual fee. After your first year, you’ll need to pay $89 annually to use the TD First Class Visa Signature.
- No rewards program. TD Bank’s travel card doesn’t offer a powerful rewards program as you’d find with Amex or Chase.
With just one card available with no foreign transaction fees, TD Bank falls behind other providers when it comes to choices and card value. If the TD First Class Visa Signature doesn’t fit your needs, compare other no foreign transaction fee credit cards to find one that better suits your preferences.
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