TD Credit Cards for Every Need and Budget

TD offers a range of credit cards to suit different needs and budgets. From low-interest rates to rewards programs, there's a card for everyone.

TD Cash Back Visa Card has a low annual fee of $0 and offers 3% cash back on gas, 2% at grocery stores and pharmacies, and 1% on all other purchases.

TD Rewards Visa Card offers a 25,000-point sign-up bonus and 1 point for every dollar spent.

The TD Double Up℠ Credit Card offers a simple and solid earnings structure, with unlimited 2% cash back on all purchases. This is a top-notch pick, especially for those who live in eligible states.

Some TD credit cards have no annual fee, including the TD Double Up℠ Credit Card and the TD Cash cards. This can be a great option for those who want to avoid annual fees.

The TD Double Up℠ Credit Card also offers a sign-up bonus, with a $150 initial rewards bonus for spending $1,000 within the first 90 days after account opening. This is a great incentive for those who want to earn rewards quickly.

Here are some key features of the TD Double Up℠ Credit Card:

If you're looking for a TD credit card, you'll want to consider the features that matter most to you. One key feature to consider is cash back rewards, which can help you earn money back on your purchases.

Cash back rewards can be a great way to save money, especially if you use your card for everyday expenses. No annual fee is another attractive feature, as it means you won't have to pay extra just to have the card.

A low rate is also an important consideration, especially if you're carrying a balance or want to make purchases without breaking the bank.

The TD Double Up℠ Credit Card is a top-notch pick for earning cash back on all purchases. It offers an unlimited 2% cash back on all eligible purchases.

If you live in an eligible state, this card is definitely worth considering. The card also offers a sign-up bonus, which is a nice perk.

Here are some of the key benefits of the TD Double Up℠ Credit Card:

The card also offers a range of Visa benefits, including cell phone protection, contactless payments, and instant credit card replacement.

The TD Business Select Rate Visa* Card offers a competitive interest rate of 11.99%. This card is a great option for business owners who want to save on interest and grow their business with confidence.

If you're a business owner who tends to carry a balance, this card's interest rate might be a good fit. However, if you're someone who pays your balance off every month, you may want to explore other rewards credit cards that offer more benefits.

The TD Business Select Rate Visa* Card doesn't offer any specific promotions or rewards, unlike some of TD's other credit cards. However, its low interest rate makes it a solid choice for businesses that need to manage debt.

Aeroplan Credit Cards offer rewards and benefits for frequent flyers. The TD Aeroplan Visa Infinite Card earns up to $1,300 in value, including up to 40,000 Aeroplan points, with no Annual Fee for the first year.

If you're looking for a more affordable option, the TD Aeroplan Visa Platinum Card earns up to $500 in value, including up to 20,000 Aeroplan points, with no Annual Fee for the first year. The TD Aeroplan Visa Infinite Privilege Card takes it to the next level, earning up to $2,900 in value, including up to 80,000 Aeroplan points.

Business owners may also be interested in the TD Aeroplan Visa Business Card, which earns up to 50,000 Aeroplan points with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

Aeroplan credit cards offer a range of benefits, including earning points that can be redeemed for travel on Air Canada and its partners.

You can earn up to 80,000 Aeroplan points with the TD Aeroplan Visa Infinite Privilege* Credit Card, worth up to $2,900 in value.

The TD Aeroplan Visa Infinite* Card is another option, offering up to 40,000 Aeroplan points and no Annual Fee for the first year.

If you're a business owner, the TD Aeroplan Visa* Business Card is worth considering, as it offers full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

The TD Business Travel Visa* Card also offers a unique benefit, with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

For those who prefer to earn cash back, the TD Cash Back Visa Infinite* Card offers up to $500 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500.

The TD Aeroplan Visa Platinum* Credit Card is a more modest option, earning up to $500 in value, including up to 20,000 Aeroplan points and no Annual Fee for the first year.

The Clear Card is a unique offering from TD Bank that's worth considering. It's a no-interest, subscription-based credit card with a monthly fee instead of interest charges.

The Clear Card comes in two variants: a $1,000 credit limit and a $2,000 credit limit. The monthly fee for the $2,000 credit limit is $20, while the $1,000 credit limit has a lower monthly fee, but still $20.

You'll have either a $1,000 or $2,000 credit line, and instead of paying interest, you'll owe a set monthly fee (up to $20). The idea of such a highly predictable monthly payment may sound appealing to some.

Here are the main features of the Clear Card:

If you have good to excellent credit, you have better options, such as the Wells Fargo Reflect Card, which offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers.

The TD First Class Travel Visa Infinite* Card is a top choice for travelers, offering up to $1,000 in value, including up to 135,000 TD Rewards Points, and no Annual Fee for the first year.

You can earn a significant amount of rewards with this card, making it a great option for those who want to maximize their benefits. If you're looking for a more budget-friendly option, the TD Platinum Travel Visa* Card is a good alternative, offering up to $370 in value and no Annual Fee for the first year.

The TD Business Travel Visa* Card is another great option for business travelers, offering up to $1,122 in TD Rewards Points and full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

If you're looking for a credit card with a range of rewards and perks, TD has some great options to consider. The TD Platinum Travel Visa* Card, for example, earns up to 50,000 TD Rewards Points, which can be redeemed for value.

One of the standout benefits of TD's credit cards is the variety of rewards programs. The TD Rewards Visa* Card, for instance, earns a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases. This can be a great way to get a discount on things you already buy.

TD's credit cards also offer a range of other rewards and perks, including access to free credit scores, discounts on purchases, and extension on manufacturer's warranties. These can be really valuable, especially if you're someone who likes to keep an eye on your credit score or wants to save money on everyday purchases.

If you're a business owner, the TD Business Travel Visa* Card is worth considering. It earns a value of up to $1,122 in TD Rewards Points, and comes with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

Some of the other perks of TD's credit cards include contactless payments, chip card technology, and mobile wallet provisioning (such as Apple Pay). These can make it easier and more convenient to make purchases on the go.

Here are some of the rewards and perks offered by TD's credit cards:

It's worth noting that if you carry a balance on your credit card, interest and fees can often exceed the value of any rewards earned.

First Class Travel can be a game-changer for frequent flyers. The TD First Class Travel Visa Infinite* Card offers a no Annual Fee for the first year. Earn up to $1,000 in value, including up to 135,000 TD Rewards Points. This can be a huge perk for those who travel often.

TD Bank offers a range of credit cards with varying features and benefits. The TD Clear Platinum Visa Credit Card with $2,000 Credit Limit is one of their top cards.

You can apply for TD Bank credit cards in-person, online, or by phone, making it convenient to get the card you want. To apply, have your personal information ready, including your name, address, Social Security number, and annual income.

The TD Business Travel Visa* Card offers a value of up to $1,122 in TD Rewards Points, which can be redeemed for full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders.

TD Bank offers a range of credit cards that cater to different needs and preferences.

The TD Clear Platinum Visa Credit Card with $2,000 Credit Limit and the TD Clear Platinum Visa Credit Card with $1,000 Credit Limit are two popular options that provide a generous credit limit.

The TD FlexPay Credit Card is another option that allows cardholders to make payments based on their pay schedule, making it a great choice for those who are paid biweekly or monthly.

The TD Double Up Credit Card and the TD Cash Credit Card are also available, offering rewards and cashback benefits to cardholders.

The TD First Class Visa Signature card earns First Class miles that can be redeemed for cash back, travel, merchandise, and gift cards, with a 3 miles per $1 spent on travel and dining purchases and 1 mile per $1 spent on everything else.

The card has an $89 annual fee that's waived the first year, and new cardholders can grab a 25,000-mile sign-up bonus.

The Chase Sapphire Preferred Card is a great alternative for those seeking travel rewards, with a $95 annual fee and the ability to earn 60,000 bonus points after spending $4,000 in the first 3 months from account opening.

The TD FlexPay Credit Card is a great option for those who want to pay down existing debt without any frills. It doesn't earn rewards, but it comes with a competitive 0% intro APR period on balance transfers.

The balance transfer offer is limited to credit card debt currently held by an issuer outside of TD Bank. This means you can transfer debt from other credit cards to your TD FlexPay Credit Card and enjoy the 0% intro APR.

You can receive reimbursement of one late payment fee (up to $40) every 12 billing cycles, which is a nice perk. However, late fee forgiveness doesn't change your monthly payment requirement, and past due payments will still be reported to credit bureaus.

Here are some key features of the TD FlexPay Credit Card:

The TD Business Cash Back Visa* Card is a great option for business owners who want to earn cash back rewards. It offers Cash Back Dollars that can be invested back into your business.

This card has a trademark of Visa International Service Association and is used under license.

The purchase interest rate and fees for TD credit cards are something to consider when applying for a new card. As of June 30, 2024, the advertised purchase APRs change over time and are specific to the applicant, based on their credit score.

If you have a credit score between 620-719, the median purchase APR is 25.24%, which is considered average interest. On the other hand, if you have a credit score of 720 or higher, the median purchase APR drops to 20.24%.

Here's a quick breakdown of the typical APRs for different credit scores:

Keep in mind that the purchase APR is variable, meaning it can go up or down based on the index listed in the details. If you're not familiar with how credit card interest is calculated, it's worth taking a look at the additional resources provided.

Applying for a TD Bank credit card is a straightforward process that can be done in a few ways. You can apply in-person at a TD Bank branch, online, or even by phone.

To get started, you'll need to have your personal information ready, including your name, address, Social Security number, and annual income.

It's a good idea to have all your documents organized and easily accessible to make the application process smoother.

You may need to wait up to two business days to find out if you've been approved for a TD Bank credit card.

TD Bank credit cards can be a good fit for those who tend to carry a balance or have existing debt they'd like to pay off.

The TD Bank Clear cards can potentially save you quite a bit by swapping a high interest rate for a monthly fee, which adds up to either $120 or $240 per year.

If you pay your balance off every month, you may want to check out other rewards credit cards, as the TD Bank Clear cards lack rewards or perks found on most cards with an annual fee around this price point.

TD Bank offers a range of benefits that make it a great option for many people. One of the biggest advantages is access to many digital banking features, such as Zelle and online bill pay.

Cards issued by TD Bank come with Visa benefits that add long-term value. These benefits can include things like purchase protection and travel assistance.

TD Bank's digital banking features are convenient and easy to use, making it a great option for those who want to manage their finances online.

Some TD Bank credit cards lack rewards, which can cut into their overall value. This might be a drawback for those who want to earn points or cashback on their purchases.

The TD Bank Clear cards come with a monthly fee, which can add up to either $120 or $240 per year. On top of that, these cards often lack the rewards or perks found on most cards with an annual fee around this price point.

If you tend to carry a balance or have existing debt, the monthly fee on the TD Bank Clear cards might not be a significant concern. However, for those who pay their balance off every month, the lack of rewards could be a deciding factor.

Here are the TD Bank credit cards that come with a monthly fee:

These cards are designed for those who want to pay off debt or avoid interest charges, but they might not be the best fit for everyone.

The TD First Class Visa Signature card has a $89 annual fee that's waived the first year, making it a relatively affordable option for those who want to earn rewards.

New cardholders can earn a 25,000-mile sign-up bonus, which is a great incentive to start using the card.

To qualify for the bonus, you'll need to make your first purchase within 6 months of account opening and spend $3,000 within 6 months of account opening.

The TD First Class Visa Signature card has a $89 annual fee that's waived the first year. This fee is a significant consideration for anyone considering applying for the card.

New cardholders can grab a 25,000-mile sign-up bonus, but it's distributed in two parts: 15,000 miles after making the first purchase within 6 months of account opening, and an additional 10,000 miles after spending $3,000 within 6 months of account opening.

Returning your TD Bank Credit Card is a relatively straightforward process. You can simply contact TD Bank's customer service to initiate the process.

TD Bank Credit Cards, such as the TD Cash Credit Card, have no annual fee, making it a convenient option for those who want to avoid extra charges. You can earn a $200 initial rewards bonus by spending $1,000 on eligible purchases within the first 90 days of opening your account.

The TD Cash Credit Card allows you to switch your bonus categories up to four times a year, giving you flexibility in how you earn rewards. This can be especially useful for those who have changing spending habits or want to take advantage of different cash-back opportunities.

You can earn 3% and 2% cash back on your top two spend categories, and 1% cash back on all other eligible purchases. This means you can earn a significant amount of cash back on your daily expenses.

Here are the different types of TD Bank Credit Cards that offer cash back rewards:

Keep in mind that the TD Cash Credit Card has an above-average regular APR, so be sure to pay your balance in full each month to avoid interest charges.

TD Bank offers a variety of credit cards to suit different needs and preferences. You can find your ideal credit card in Canada by answering a few simple questions on their website.

The TD Bank credit cards include the TD Clear Platinum Visa Credit Card with $2,000 Credit Limit, the TD Clear Platinum Visa Credit Card with $1,000 Credit Limit, the TD FlexPay Credit Card, the TD Double Up Credit Card, and the TD Cash Credit Card. Each card has its own features and key benefits.

Some of the top TD Bank credit cards include the TD Clear Platinum Visa Credit Card with $2,000 Credit Limit, which has a higher monthly membership fee but offers a larger credit limit without additional fees or interest. The TD FlexPay Credit Card, on the other hand, includes an introductory APR offer on balance transfers, making it a good option for those who tend to carry a balance or have existing debt to pay off.

Here are some of the top TD Bank credit cards:

If you're looking to build or mend your credit, the TD Cash Secured credit card is a decent option. You'll earn an unlimited 1% cash back on all eligible purchases, and your credit line will be between $300 and $5,000, secured by a savings account you'll open with TD Bank.

The minimum required deposit is $300, which is on the high side. In contrast, the Discover it Secured Credit Card has a minimum required deposit of $200 and doesn't require funding it via an account with Discover.

The TD Cash Secured credit card offers rewards, but it also has a high regular APR and a foreign fee. You'll need to open a TD Simple Savings account and fund it with at least $300 to get started.

Here are some key features of the TD Cash Secured credit card:

If you're still deciding on a credit card, TD Bank offers a feature to suggest a card based on your needs.

You can also add additional cardholders to your Canadian credit card account, set up pre-authorized payments, and more.

To do this, simply go to the TD Credit Card management page.

TD Bank also reminds you to review the privacy and security policies of any third-party website before providing personal or confidential information.

Here are some ways to manage your TD Credit Card in Canada:

You can apply for TD Bank credit cards in a few different ways. You can apply in-person at a TD Bank branch, online, or even by phone.

To apply, have your personal information ready, including your name, address, Social Security number, and annual income.

It may take up to two business days to find out if you've been approved.

Applying for a TD credit card is a straightforward process that starts with finding the right card for your needs. You can compare TD credit cards to find one that matches your income, spending habits, and financial goals.

To apply online, select the "Apply online" button. If you're a current TD customer, you can log in with your EasyWeb username or access card number to begin the application process.

As a new TD customer, getting started with your application is quick and easy.

If you're considering a TD Bank credit card, you have several options to choose from. The TD Clear Platinum Visa Credit Card with $2,000 Credit Limit is one of the top choices, offering a generous credit limit.

The TD Clear Platinum Visa Credit Card with $1,000 Credit Limit is another option, providing a lower credit limit for those who want to start small. The TD FlexPay Credit Card is designed to help you manage your payments, making it easier to stay on top of your finances.

The TD Double Up Credit Card is ideal for those who want to double their rewards earnings, making it a great choice for frequent shoppers. The TD Cash Credit Card offers cash back rewards, providing a straightforward way to earn money back on your purchases.