Best TD Credit Cards

of November 2024

Best-TD-Credit-Cards

In This Article

Introduction

TD Bank provides a wide range of credit cards tailored to suit various consumer and business needs making you unlock the possibilities with TD Bank’s latest lineup of credit cards. Dive into a world of perks, rewards, and financial empowerment as you get introduced to innovative solutions crafted to elevate your spending experience.

Here are some of the top reasons to consider a TD Bank credit card:

  • Offers variety of rewards
  • Provides attractive welcome bonuses
  • Incurs no introductory 0% APR offers on some cards
  • Helps you build your bad credit
  • Supports small business

SUMMARY

1. TD Double Up Credit Card
2. TD Cash Credit Card
3. TD FlexPay Credit Card
4. TD Clear Visa Platinum Credit Cards
5. TD First Class Visa Signature Credit Card
6. TD Cash Secured Credit Card
7. TD Business Solutions Credit Card
Overview of Best TD Credit Cards
How to Choose a TD Credit Card
Pros & Cons of TD Credit Cards
What to Watch Out For
Pro Tips
Recap

1. TD Double Up Credit Card

TD-Double-Up-Credit-Card

This card offers a straightforward 2% cash back on all eligible purchases, without rotating categories or caps, making it ideal if you value simplicity in your rewards program. It attracts your attention if you’re consolidating debt or planning a significant purchase.

Pros

  • Earn unlimited 2% cash back on all eligible purchases
  • Obtain a cash back bonus after spending $1,000 within the first 90 days
  • Lacks introductory APR on balance transfers for the first 15 billing cycles
  • Incurs no annual fee
  • Enjoy benefits like cell phone protection and visa zero liability

Cons

  • Pay a balance transfer fee
  • Struggle with high ongoing APR after introductory period ends
  • Incurs foreign transaction fees
  • Lacks additional travel or premium benefits compared to other rewards cards

The TD Double Up Credit Card has no annual fee and offers a 0% introductory APR on balance transfers for 15 billing cycles, with a variable APR afterward. Regular APR varies based on creditworthiness. Balance transfer fee is $5 or 3%, and foreign transaction fee is 3%. Cash advance fee is $10 or 5% of the cash advance amount. Earn unlimited 2% cash back on all eligible purchases. Additional benefits include cell phone protection, visa zero liability, digital wallet, and contactless payments.

2. TD Cash Credit Card

TD-Cash-Credit-Card

It offers a flexible cash back rewards program where you can choose your top two spend categories each quarter for higher cash back rates, catering to varied spending habits, enhancing its attractiveness.

Pros

  • Earn 3% cash back in one category of your choice
  • Get 2% cash back in a second category of your choice and 1% cash back on all other purchases
  • Incurs 0% introductory APR on balance transfers for the first 15 billing cycles
  • Do not pay for annual fee

Cons

  • Pay a balance transfer fee
  • Experience relatively high ongoing APR after the introductory period ends
  • Incurs foreign transaction fees
  • Update bonus categories each quarter

The TD Cash Credit Card has no annual fee and offers a 0% introductory APR on balance transfers for 15 billing cycles, with a variable APR afterward. The regular APR varies based on creditworthiness. It has a balance transfer fee of $5 or 3%, and a 3% foreign transaction fee. The cash advance fee is $10 or 5% of the cash advance amount. The welcome bonus is $200 cash back after spending $500 in the first 90 days. Additional benefits include cell phone protection, visa zero liability, digital wallet, and contactless payments.

3. TD FlexPay Credit Card

TD-FlexPay-Credit-Card

Its lengthy 0% introductory APR period on balance transfers, makes it an excellent choice if you’re looking to consolidate high-interest debt or finance a large purchase over an extended period.

Pros

  • Enjoy a 0% introductory APR on balance transfers for the first 18 billing cycles
  • Pay no annual fee
  • Get your first late payment fee refunded
  • Utilize digital wallet compatibility and contactless payment options
  • Maintain solid ongoing APRs

Cons

  • Lacks a rewards program or welcome bonus
  • Face a balance transfer fee of $5 or 3% (introductory offer), then $5 or 5% after
  • Incurs foreign transaction fees of 3%
  • Experience relatively high APR for cash advances

The credit card has no annual fee and offers a 0% introductory APR on balance transfers for 18 billing cycles, with a variable APR afterward. The regular APR varies depending on creditworthiness. It has a balance transfer fee of $5 or 3% of the transfer amount (introductory offer), then $5 or 5% of the transfer amount. Foreign transaction fees are 3% of and the cash advance fee is $10 or 5% of the cash advance amount, whichever is greater. Late payment fees can be up to $40. Additional benefits include cell phone protection, visa zero liability and contactless payments.

4. TD Clear Visa Platinum Credit Cards

TD-Clear-Visa-Platinum-Credit-Cards

Do you prefer a monthly membership fee to interest charges? If yes, this card is for you. Additionally, the card waives late payment, balance transfer, cash advance, and foreign transaction fees, providing flexibility and savings.

Pros

  • Avoid interest charges
  • Pay no late payment, balance transfer, cash advance, or foreign transaction fees
  • Access benefits such as cell phone protection, emergency card replacement, and visa zero liability
  • Choose between two credit limit options: $1,000 or $2,000

Cons

  • Pay for monthly fee
  • Lacks a rewards program or welcome bonus
  • Face limited credit limit options

For the TD Clear with a $1,000 credit limit, the monthly fee is $10, which amounts to $120 annually, with a predictable minimum payment of $45, including the monthly fee. For the TD Clear with a $2,000 credit limit, the monthly fee is $20, totaling $240 annually, with a predictable minimum payment of $70, including the monthly fee.

5. TD First Class Visa Signature Credit Card

TD-First-Class-Visa-Signature-Credit-Card

Whether you travel or love dining, seeking a rewarding miles program, this is the right card! With elevated earning rates in popular categories, it offers a compelling combination of value and flexibility.

Pros

  • Earn 3x miles on travel and dining purchases and 1x miles on all other eligible purchases
  • Get 25,000 bonus miles
  • Enjoy a 0% introductory APR on balance transfers for the first 12 billing cycles
  • Pay no foreign transaction fees
  • Benefit from features like digital wallet, contactless payments, and visa zero liability protection

Cons

  • Pay a $89 annual fee (waived the first year)
  • Incurs a balance transfer fee of $5 or 3%, whichever is greater
  • Experience relatively high APR for cash advances

The card offers a 0% introductory APR on balance transfers for 12 billing cycles, with a variable APR of 18.49% thereafter. There’s a balance transfer fee of $5 or 3%, whichever is greater, and a cash advance fee of $10 or 3% of the cash advance amount, whichever is greater. Also, a welcome bonus of 25,000 bonus miles is available after spending $3,000 in the first 6 billing cycles.

6. TD Cash Secured Credit Card

TD-Cash-Secured-Credit-Card

Pick the TD Cash Secured Credit Card if you seek to build or rebuild your credit history. This card offers a way to establish or improve credit while still enjoying the convenience and benefits of a traditional credit card.

Pros

  • Use it to build or rebuild credit
  • Earn 1% cash back on all eligible purchases
  • Enjoy benefits such as digital wallet, contactless payments, and visa zero liability protection
  • Has the potential to upgrade to an unsecured card

Cons

  • Pay a $29 annual fee
  • Encounter a relatively high APR of 28.24% variable
  • Incurs balance transfer and cash advance fees
  • Face foreign transaction fees of 3%

The card requires a security deposit ranging from $300 to $5,000, which determines your credit limit. Balance transfers incur a fee of $5 or 3% of the amount transferred, while cash advances carry a fee of $10 or 5% of the cash advance amount, whichever is greater. Acquire 1% cash back on all eligible purchases.

7. TD Business Solutions Credit Card

TD-Business-Solutions-Credit-Card

This is an excellent choice for your small business because you will earn valuable cash back rewards on your spending. This card provides a straightforward way to maximize rewards without dealing with rotating categories or caps. Meanwhile, adding employee cards at no extra cost makes it a flexible option.

Pros

  • Earn 5% cash back on all eligible purchases for the first 6 months, up to $10,000 in spending
  • Enjoy unlimited 2% cash back on all eligible purchases after the introductory period
  • Pay no annual fee
  • Add employee cards at no extra cost

Cons

  • Incur a balance transfer fee of $5 or 3%, whichever is greater
  • Face a relatively high APR for cash advances
  • Encounter foreign transaction fees of 3% on international purchases

The card has no annual fee and offers a 5% cash back intro offer on eligible purchases for 6 months, up to $10,000 in spending (up to $500 cash back value), with a $250 cash back welcome bonus after spending $1,500 in the first 90 days. After the intro period, earn unlimited 2% cash back on all eligible purchases. The APR varies from 19.24% to 29.24% based on creditworthiness. Balance transfers incur a fee of $5 or 3%, while cash advances have a fee of $10 or 5%. Foreign transactions have a 3% fee.

Overview of Best TD Credit Cards

Overview-of-Best-TD-Credit-Cards

TD Bank has this awesome range of credit cards, catering to all sorts of issues and businesses. Now, if cashback is your jam, check out the TD Double Up card. It hooks you up with a sweet 2% back on all your eligible buys, no fuss. Then there’s the TD Cash card, where you can actually pick your top 3% and 2% cash back categories each quarter.

And for all you travel buffs, feast your eyes on the TD First Class Visa Signature card. Need a breather on purchases or consolidating some debt? TD has your back with its intro 0% APR deals on select cards, giving you over a year to catch your breath.

Now, if you’re in the credit-building game, the TD Cash Secured card is a solid pick. And for your businesses, TD’s Business Solutions card is a standout. Oh, and here’s the cherry on top: some of these cards do not come with an annual fee, and they’re all set up for digital wallets.

How to Choose a TD Credit Card

Choosing the best TD card involves weighing factors like:

  • Know your spending habits
  • Consider your financial goals
  • Check out the welcome bonus
  • Look at introductory APR offers
  • Factor in annual fees and additional benefits
  • Review the terms and conditions

Pros & Cons of TD Credit Cards

  • Offers beneficial rewards
  • Enjoy welcome bonuses
  • Avoid annual fees
  • Enjoy built-in benefits
  • Has digital wallet compatibility
  • Provides flexibility
  • Incurs variable APRs
  • Struggle with potential fees
  • Lacks unlimited perks you can find on higher-tier credit cards
  • Needs credit requirements
  • Need your attention for rotating categories

What to Watch Out For

What-to-Watch-Out-For-Best-TD-Credit-Cards

When getting a TD credit card, beware of: 

  • Incur of hidden charges
  • Struggle of redemption of rewards
  • Need for customer service acceptability
  • Change in Terms and Conditions
  • Consider impact on credit score
  • Check out security features
  • Access accessibility of digital tools

Pro Tips

Follow these expert tips for getting superior value from TD credit cards:

  • Employ credit card churning strategies
  • Master multi-card optimization
  • Leverage relationship rewards programs
  • Optimize travel benefits for maximum value
  • Monitor and maximize annual bonuses
  • Stay informed about limited time offers
  • Utilize digital wallets for added security
  • Take advantage of retention offers

Recap

TD Bank offers a wide selection of credit cards suited to different needs, featuring rewards, welcome bonuses, and introductory APR offers. However, watch out for hidden fees, complexities in reward redemption, and changes in terms. To optimize your experience, leverage strategies like multi-card usage and staying informed about limited-time offers.

Become a

S'witty Kiwi Credit Insider!

Get the latest credit tips and hacks in your inbox!