Now, you checked out all the credit cards TD Bank has on offer, Now comes the fun part—picking the one that fits what you’re looking for. Maybe you want travel points, or perhaps cash back is more your style. Whatever it is, once you’ve found ‘the one,’ just give it a click. That’s your way of saying, ‘This is the card for me!’ It’s like swiping right on your perfect financial match. Next, you may be on your way to apply and get all set up. Exciting, right?

TD Business Solutions Credit Card

Thinking about getting the TD Business Solutions Credit Card? Here’s what’s up: If you get approved for this card, you’re in for a treat. For the first 6 months or until you hit $10,000 in spending (whichever comes first), you rake in 5% back on all your eligible purchases. That could add up to 50,000 bonus points, which is like getting $500 back!

And there’s more: if you spend $1,500 within the first 90 days, you score an extra 25,000 points. That’s another $250 back on your statement. Just keep your account in good shape, and these points may pop up on your statement within a couple of months after you’ve hit the targets.

Just remember, this doesn’t apply to cash-like purchases such as money orders or gift cards. And this offer is just for new accounts opened during the promo period; you can’t mix it with other deals or if you’ve enjoyed a bonus from TD Bank before.

TD FlexPay Credit Card

Is it the FlexPay credit card that caught your eye? There is a bunch of important stuff in the terms and conditions about APRs, fees, and balance transfers.

When you open your account, it starts you off with a 0% APR on balance transfers for the first 18 billing cycles—pretty cool, right? But after that period, the APR may vary from 19.24% to 29.24%, and that’s all based on how good your credit is. For transfers made during that intro period, there’s a fee—it’s either $5 or 3% of the transfer amount, whichever’s more. Once the intro offer is over, the fee goes up to either $5 or 5% per transfer.

Now, if you’ve got a balance transfer at that nice 0% intro rate and you’re also using your card for other purchases, there’s a trick to avoid paying interest. Just pay the amount that shows in your statement’s ‘Payment Information’ box under “Payment to Avoid Purchase Interest.”

But here’s something to keep in mind: being late on your payments isn’t something TD just brushes off. Sure, TD might forgive a late fee here and there, but that doesn’t mean you can skip your monthly payment. If you fall behind, report it to the credit bureaus as usual, which could damage your credit score. So always check out the terms and conditions for all the details.

TD Clear Visa Platinum Credit Card

The TD Clear Visa Platinum credit card has two amounts of credit limit, which are $1,000 and $2,000

If you’re eyeing the one with a $1,000 credit limit, here’s the scoop: it charges you a $10 monthly membership fee. This fee gets tacked onto your bill every month, no matter if you use the card or not, and it counts against your credit just like any other charge.

Now, if you’re looking at the version with a $2,000 credit limit, it’s pretty much the same deal but with a twist. The monthly membership fee doubles to $20. Just like the other card, this fee may show up on your statement every single month as a charge, and it eats into your available credit whether you swipe that card or not.

So, regardless of which one you choose, remember that these fees are part of the deal and may be part of your monthly billing routine.

TD Cash Credit Card 

You want the lowdown on this card also?. Here’s what’s up: You need to keep an eye on the APRs, fees, what’s considered an eligible purchase, balance transfers, and the details of the rewards program.

This card hooks you up with a 0% APR on balance transfers for the first 15 billing cycles after your account kicks off. But after that honeymoon phase, you’re looking at an APR that may be 20.24%, 25.24%, or even 30.24%, depending on how good your credit game is. And transferring a balance? That may cost you either 5 bucks or 3% of the transfer amount, whichever’s more.

Here’s a cool perk: for the first 6 months after you open your account, it offers an extra 4% cash back on every dollar you spend at gas stations. But there’s a cap: once you hit $6,000 in gas station purchases or those 6 months are up, whichever comes first, the deal changes. And remember, if you’re filling up at superstores or warehouse clubs, you only get one point per dollar spent.

Keep in mind that not all purchases earn you points. Stuff like cash equivalents, money orders, gift cards, or even topping up gift cards doesn’t count towards rewards.

But here’s a sweet deal: if you get approved for this card and it’s because of this offer, you can earn a one-time bonus of 15,000 points. That’s basically $150 cash back. To bag that bonus, just spend $1,000 in total net purchases within the first 90 days after your account opens. As long as your account is active and in good standing, that $150 cash back may show up in your Points Summary within 6 to 8 weeks after you hit that spend target.

Just a heads up, but this offer is only for new TD Cash Credit Card accounts during the promo period, and it can’t be transferred. And if you’ve already had a one-time bonus from TD before on this or any other account, then this deal isn’t on the table for you.

TD First Class Visa Signature Credit Card

You get this card, and it starts you off with no interest on balance transfers for the first 12 billing cycles. After that, it’s an 18.49% APR, depending on your credit score. For balance transfers, you pay either $5 or 3% of the transfer amount.

Guess what! If you’re smart with your payments, you can avoid interest on purchases even with an ongoing 0% balance transfer. Just pay the specific amount you see on your statement.

Heads up: buying cash stuff like money orders or gift cards won’t earn you points. And if you buy groceries at big superstores or warehouse clubs, you can only get one mile per dollar spent.

You can earn bonus miles after your first purchase if you spend $3,000 within the first six billing cycles.

TD Double-Up Credit Card

When you get this card, there’s some cool stuff you need to know about the APRs, fees, what counts as eligible purchases, balance transfers, and others. 

First off, there’s this sweet introductory offer on balance transfers where you won’t pay any interest for the first 15 billing cycles after you open your account. But keep in mind that once that period is over, the APR could be anywhere from 20.24% to 30.24%, and that depends on how solid your credit score is. And yes, there’s a fee for balance transfers of 5 or 3% of the amount you transfer.

But if you pay what it calls the “Payment to Avoid Purchase Interest” amount that you see in your statement’s ‘Payment Information’ box, you can dodge paying interest on your purchases even if you have an ongoing 0% promo on balance transfers.

Here’s another thing: not everything you buy racks up rewards points. Buying stuff like cash equivalents, money orders, or gift cards—or even reloading gift cards—doesn’t count.

But there’s a bonus for newbies. If you’re approved for this card because of this specific offer, you can score a one-time bonus of 15,000 points. That’s like getting $150 back as a statement credit. To pocket that bonus, you need to spend a grand in total purchases within the first 90 days your account is open. And as long as your account is in good shape—no funny business—those bonus points may show up on your account within 6 to 8 weeks after you’ve hit that spending target.

TD Cash Secured Credit Card 

The TD Cash Secured Credit Card is like a regular credit card, but you need to put down a security deposit, which also acts as your credit limit. It’s a smart move if you’re looking to build or repair your credit, because making on-time payments can really help your score.

Just remember, there are some things you can’t earn cash back on, like buying money orders or gift cards. But for most other purchases, you get some cash back, which is pretty sweet for a secured card.

Managing the card is easy with online banking or the TD Bank app, and there’s a $29 annual fee to keep in mind. Plus, you can check your FICO score online, which is handy for keeping an eye on your credit-building progress.