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TD Bank Credit Cards of February 2024

TD Bank
Apply for a TD Bank Credit card. On 26.02.2024 you have access to 5 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 5
Updated:
11.02.2024
09:33
TD Bank
TD Double Up℠ Credit Card®
Rating by Finanso®
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TD Bank
TD First Class℠ Visa Signature® Credit Card®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

TD Bank
TD Business Solutions Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000

Credit Card Online Application of February 2024

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Reviews
CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review
TD Bank Credit Cards of February 2024

Types of Cards

TD Bank offers a range of credit cards with various features and benefits to meet the needs of different customers. Some of the credit cards offered by TD Bank include:

  1. TD Double Up Credit Card. The card has no annual fee. You will earn 2% cash back rewards on purchases and an additional 1% cash back when you redeem rewards into an eligible TD Bank deposit account.
    There is an 0% Intro APR offer for the first 18 billing cycles for balance transfers. After the Intro APR offer ends, you will get 18.74%, 23.74%, or 28.74% variable APR on purchases and balance transfers. The rate will be based on your creditworthiness.
    The balance transfer fee will be either 3% or $5 on each transfer. The cash advance fee is either 5% or $10, and the foreign transaction fees are 3% USD.
    The bonus cash back offer allows you to get $100 as a statement credit once you spend $1,000 within 90 days after your account opening.

  2. TD Cash Credit Card. You will earn 5% cash back rewards on gas stations for six months or up to $6,000 spent. Grocery stores earn 2% unlimited cash back. On dining purchases, you will get 3% cash back rewards, and on all other purchases, you will be getting 1% cash back rewards.
    There is a 0% Intro APR offer on balance transfers for 12 billing cycles after your account opening. After the Intro APR offer ends, you will get 18.74%, 23.74%, or 28.74% variable APR.
    The foreign transaction fee is 3% on each transaction in USD.

  3. TD Business Solutions Credit Card. You will earn 1% cash back rewards on purchases and another 1% cash back when you redeem rewards towards an eligible TD Bank deposit account. Cash rewards are unlimited, and there are no caps or limitations as long as your account is in good standing and open.
    Within the first 90 days after your account opening, if you spend $1,500, you can earn $250 cash back as a statement credit. The interest rate for purchases is 17.74%, 22.74%, or 27.74% variable APR.
    TD Bank credit card for small business owners has a balance transfer fee of either 3% or $5 and a cash advance fee of $10 or 5%, whichever is greater. The foreign transaction fee will be 3% of each transaction.

  4. TD First ClassSM Visa Signature® Credit Card. The TD Bank credit card account earns 3x First Class miles on travel and dining purchases and 1x First Class miles on other purchases. Your miles do not expire as long as your credit card account is active and in good standing.
    The sign-up bonus is 25,000 miles once you spend $3,000 within six billing cycles. You can redeem them for a $250 statement credit towards travel and dining purchases.
    The interest rate is 16.99% variable APR. There is a balance transfers Intro APR for 12 billing cycles. After your 0% APR introductory period ends, you will get a 16.99% variable APR. The annual fee is $89. You can waive it for the first year.

  5. TD Cash Secured Credit Card. The card has an annual fee of $29. You will get a 26.74% variable APR for purchases and balance transfers. For cash advances, the APR is 28.99% variable. On your TD credit card, you will earn 1 point per dollar spent on eligible purchases. You can redeem rewards starting from 2,500 points as a statement credit or direct deposit into your checking or savings account. One point is worth $0.01 for cash back rewards.
    You will need to apply for the card online, and once you are approved, open and fund a TD Simple Savings account to make a security deposit. Security deposit is a minimum of $300 and a maximum of $5,000.
    Once you meet the eligibility requirements, you can graduate from your secured credit card account. In this case, you will earn three points for a dollar spent on dining, two points per dollar spent on grocery store purchases, and 1 point per dollar spent on other purchases.

These are just a few examples of the credit cards offered by TD Bank. Each card has its own features and benefits, as well as fees and interest rates, so it's important to carefully review the terms and conditions before applying for a credit card.

Key Features

Some of the key features of TD Bank credit cards include:

  1. Rewards Programs. TD Bank credit cards offer rewards programs that allow you to earn cash back, points, or miles on your purchases, which can be redeemed for a variety of rewards, including statement credits, gift cards, travel, merchandise, and more.
  2. Introductory Offers. Many TD Bank credit cards offer introductory offers, such as 0% APR on purchases or balance transfers for a certain period of time, or bonus rewards points or cash back when you meet certain spending requirements.
  3. No Annual Fees. Some TD Bank credit cards have no annual fees, which can help you save money on the cost of using the card.
  4. Travel Benefits. Many TD Bank credit cards offer travel benefits, such as travel insurance, rental car insurance, and no foreign transaction fees, which can be useful for frequent travelers.
  5. Security Features. TD Bank credit cards offer security features such as chip technology, fraud alerts, and zero liability protection, which can help protect you from fraud and unauthorized charges.
  6. Mobile App. TD Bank offers a mobile app that allows you to manage your credit card account, view transactions, make payments, and more, all from your mobile device.

Note that the specific features and benefits offered by each TD Bank credit card can vary, so it's important to review the terms and conditions of the card you're interested in to see what it offers.

How to Get TD Bank Credit Cards

To be eligible for the credit card account opening, you must meet minimum income, residency, age, credit history, and other requirements of the bank. The age requirement restricts applications for persons under 18 years old. Immigrants, people with little or no credit history, young people, and students can still apply for a TD Bank credit card.

You can apply online, in person, or by phone. The phone applications are available Monday through Friday, 8 am to 10 pm ET.

To apply for a personal credit card account opening online, you will need to:

  1. Open the TD Bank website;
  2. Click on the "Credit Cards" button;
  3. Tap on the "Apply Below" button on the credit cards page or choose a credit card you want to apply for and click Apply Now;
  4. You can log into your account with TD Bank to make the application faster. If you do not have a TD Bank account yet, fill in your name, email, phone number, SSN, date of birth, physical address, residential status, income, and debts, and click Next.
  5. Provide the details on the credit card you want to receive and submit your application.

You can receive your TD Bank credit cards in the following ways:

  • At the local TD Bank store

  • In the mail, after you call customer service.

Business credit card account opening

To apply for a business solutions credit card, you can start the procedure via TD Business Credit Card application online, Small Business Advice Centre from 9 am to 9 pm ET Monday through Friday in person or in a branch through the appointment with the Advisor.

Once you submit the application, TD Bank's Small Business Advice Centre will contact you within 7 to 10 business days to get additional information. The information is the following:

  • Business registration documentation

  • Articles of incorporation

  • Partnership agreement

  • Letters patent.

Pros and Cons

Pros

  • There is no annual fee on some credit cards, like the TD Double Up Credit Card. You can save money on an annual fee and use the benefits on the cards at a lower cost.
  • Intro APR credit card offers are available for almost every credit card with TD. You can pay no interest for the first 12 or 18 billing cycles.

Cons

  • There is a limit set on redeeming rewards with TD credit cards. You must accrue some amount of rewards before you can redeem them for statement credit or direct deposit.

  • There is a small number of credit cards you can apply for. TD is more focused on the Canadian market, so they have more offers available for Canadians.

Rates and Fees

The rates and fees associated with TD Bank credit cards can vary depending on the specific card and your creditworthiness. Here are some common fees and rates associated with TD Bank credit cards:

  1. Annual Fees. Some TD Bank credit cards have annual fees, which can range from $0 to several hundred dollars, depending on the card and its benefits.
  2. Interest Rates. TD Bank credit cards typically have variable interest rates that can change over time. The interest rate you are charged can depend on your creditworthiness and the specific card you have. The annual percentage rate (APR) for purchases can range from around 13% to 24%.
  3. Balance Transfer Fees. If you transfer a balance from another credit card to your TD Bank credit card, you may be charged a balance transfer fee, which is typically a percentage of the amount transferred. The fee can vary, but is typically around 3-5%.
  4. Cash Advance Fees. If you take a cash advance on your TD Bank credit card, you will typically be charged a fee, which is typically a percentage of the amount advanced. The fee can vary, but is typically around 5%.
  5. Late Payment Fees. If you do not make your minimum payment by the due date, you may be charged a late payment fee, which can be up to $40.
  6. Overlimit Fees. If you exceed your credit limit, you may be charged an overlimit fee, which can be up to $40.
  7. Foreign Transaction Fees. If you use your TD Bank credit card to make purchases outside of the United States, you may be charged a foreign transaction fee, which is typically around 3% of the purchase amount.

It's important to review the rates and fees associated with any credit card you are considering, so you can make an informed decision about which card is right for you.

Requirements

The requirements for applying for a TD Bank credit card can vary depending on the specific card you're interested in, but here are some general requirements that you may need to meet:

  1. Credit Score: You typically need a good to excellent credit score to be approved for a TD Bank credit card. A credit score of 700 or higher is generally considered to be good, while a score of 800 or higher is considered excellent.

  2. Income: You will need to have a steady source of income to be approved for a TD Bank credit card. The income requirements can vary depending on the card you're interested in, but you will generally need to have enough income to make the minimum payments on the card.

  3. Age: You must be at least 18 years old to apply for a TD Bank credit card.

  4. Citizenship/Residency: You will need to be a U.S. citizen or a permanent resident to apply for a TD Bank credit card.

  5. Application: You will need to fill out an application and provide information such as your name, address, Social Security number, and employment information.

Note that the specific requirements for each TD Bank credit card can vary, so it's important to review the terms and conditions of the card you're interested in to see what requirements you need to meet.

How to pay off the debt on TD Bank credit cards

Your due payment day will be at least 25 days after the close of a billing cycle. The bank will not charge you interest on purchases if you pay your balance by the due date in full.

To pay your monthly TD Bank credit card account debt, you can arrange automatic debits from your eligible TD deposit account. The other payment options include:

  • Transferring funds from another TD account. You can make online transfers or by logging in to your EasyWeb.

  • Adding your card as a payee. You can add your credit card to the payee list in Payments. This can be done through EasyWeb or the TD app via the Payments tab.

  • Setting up pre-authorized debit after you sign the agreement and send it to TD Bank.

  • Using your TD points or cash back to pay down the account balance. You can choose the "Pay With Rewards" button via EasyWeb or TD app.

If you cannot pay back your minimum monthly payment on the due date, you will get a $40 late payment fee. The returned payments have an additional $40 fee applied.

FAQ

What is the easiest TD credit card to get?

TD Cash Secured Credit Cards are the easiest credit cards you can get from TD. You will need to make a security deposit of a minimum of $300 to open the account, but you do not have to have a good credit history. If you manage your account responsibly, you can upgrade the account to an unsecured one.

What credit score is needed for a TD card?

TD Bank credit cards require you to have at least a 750 credit score. This is an excellent credit history. However, secured credit cards allow you to apply with no credit history, so if you have a lower credit score, you can apply for a TD Bank Cash Secured credit card.

Does TD Bank approve credit cards right away?

TD Bank can approve you for a credit card instantly. However, to receive the card, you may need to wait for 7 to 10 business days. The credit cards are delivered to you via mail.

What does TD Bank use to check credit?

TD Bank uses credit bureaus to check your credit score. For US residents, TD Bank pulls credit reports from the three major credit bureaus.