TD Bank Credit Card Requirements and Approval Criteria

To get approved for a TD Bank credit card, you'll need to meet certain requirements. These requirements include having a good credit score, which TD Bank defines as a score of 680 or higher.

TD Bank also considers your income and employment history when making approval decisions. If you've had a job for at least six months and have a stable income, you'll be more likely to get approved.

A credit history of at least three years is also a requirement for TD Bank credit card approval. This allows the bank to assess your creditworthiness and determine whether you're a reliable borrower.

To get a TD Cash Secured Credit Card, you'll need to apply online and be conditionally approved. Once you're conditionally approved, you'll get instructions to open and fund a TD Simple Savings account as your security deposit.

The minimum required deposit for the TD Cash Secured Credit Card is $300, which you can use funds from another TD Bank, your debit card or an external account. You can decide the amount that's best for you—from $300–$5,000, subject to credit approval.

The TD Cash Secured credit card lets you earn rewards while building or mending your credit. Your credit line will be between $300 and $5,000 and is secured by the balance in a savings account that you’ll open with TD Bank after card approval.

Cardholders will also earn an unlimited 1% cash back on all eligible purchases. The ability to eventually graduate to a better product within TD Bank's portfolio makes this a decent secured credit card.

The minimum required deposit for the TD Cash Secured Credit Card is higher than some other secured products, such as the Discover it Secured Credit Card, which has a minimum required deposit of $200.

The TD Bank credit card offers a range of rewards and perks that can help you save money and earn cash back on your purchases. You can choose the card with the perks you want by filtering by card feature or browsing all cards below.

You can earn cash back on your purchases with some TD Bank credit cards, with rates ranging from 2% to 3% unlimited cash back. Some cards also offer special offers, such as earning $150 cash back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

Some cards have no annual fee, making them a great option for those who want to avoid extra costs. For example, the card with the special offer of earning 2% unlimited cash back has no annual fee.

You can also earn rewards on your travel and dining purchases with some TD Bank credit cards. For example, one card earns 3X miles on travel and dining.

Here are some of the key benefits of the TD Cash Card:

The TD Cash Card also offers a unique earning structure, with categories that allow you to earn 3% and 2% cash back on your choice of spend categories, plus the ability to switch your categories quarterly.

To be eligible for the TD Cash Credit Card, you must live in a state that has a TD Bank branch. Currently, these states include Connecticut, District of Columbia, Delaware, Florida, Massachusetts, Maryland, Maine, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.

You'll want to make sure you have a good credit score, as this is a major factor in getting approved for the card. A good credit score can make a big difference in your chances of getting accepted.

If you're planning to apply, ensure you haven't applied for too many other cards in the past couple of months. This can help you avoid any potential issues with credit inquiries.

Here's a list of the states where you can apply for the TD Cash Credit Card:

The TD Cash Secured Credit Card comes with some pretty standard rates and fees. The credit line ranges from $300 to $5,000.

You'll pay a variable APR of 27.49% for purchases and balance transfers. This is the same APR for balance transfers, so be aware of that when planning your transfers.

There's a balance transfer fee of $5 or 3% of the transfer, whichever is greater. This can add up quickly if you're transferring a large amount.

The minimum interest charge is $1, so even if you're not being charged interest, you'll still see this small fee on your statement.

The APR for cash advances is slightly higher at 29.74% variable. There's also a cash advance fee of $10 or 5% of the advance, whichever is greater.

You'll pay an annual fee of $29, which is a relatively low fee for a secured credit card. There's also a foreign transaction fee of 3% of each transaction in U.S. dollars, so be aware of this if you plan on using your card abroad.

Late payments can cost up to $40, and returned payments will also incur a fee of up to $40.

To pay your TD Bank credit card bill, you can choose from several convenient options.

You can pay your bill online through the TD Bank website or mobile app, making it easy to stay on top of your payments from anywhere.

TD Bank also offers phone payments, allowing you to pay your bill by calling their customer service number.

TD Bank accepts payments by mail, which can be a good option if you prefer to pay by check or money order.

TD Bank has a mobile app that allows you to pay your bill on the go, making it easy to stay on top of your payments.

TD Bank's online bill pay system allows you to set up automatic payments, ensuring you never miss a payment.

TD Bank's customer service is available to assist with any payment-related questions or concerns you may have.

The TD Cash Credit Card offers a generous return on your spending, with customizable cash-back rewards that let you choose your bonus categories every quarter. You can earn an unlimited 3% cash back on one category and 2% on another.

The bonus categories include dining, entertainment, gas, groceries, and travel, which can be changed up to four times a year. You can pick the categories that matter most to you and switch them up to maximize your rewards.

You'll earn 1% cash back on everything else, so it's a good idea to use this card for your regular purchases. This way, you'll still earn some rewards even when you're not using one of your chosen bonus categories.

Here are the bonus categories you can choose from:

With no caps on bonus rewards, this card can be a lucrative option for big spenders.

You can apply for a TD Bank credit card online, and they have a variety of options to choose from.

TD Bank has great choices for credit cards, including rewards cards and business credit cards.

Whether you're looking for a secured credit card or something else, you can explore the options available.

TD Bank allows you to apply for any of their credit cards online.