Maria Adams, Credit Cards Moderator
@m_adams
TD Bank’s credit score requirement is 700 or higher for most cards. One exception is the TD Cash Secured Credit Card because it requires a credit score of at least 300 for approval, which is considered bad credit.
Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
Credit Score Recommended by TD Bank Card
- TD Cash Secured Credit Card: 300 (Bad credit)
- TD Double Up Credit Card: 700 (Good credit)
- TD First Class Visa Signature® Credit Card: 700 (Good credit)
- TD Cash Credit Card: 700 (Good credit)
- TD Business Solutions Credit Card: 700 (Good credit)
- Target Credit Card: 640 (Fair credit)
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a TD Bank credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.
Popular TD Bank Credit Cards
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No Interest
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0% Intro APR
People also ask
How hard is it to get a TD Bank credit card?
It is not very hard to get a TD Bank credit card because TD Bank offers cards for people with bad credit or better. The easiest credit card to get from TD Bank is the TD Cash Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other TD Bank credit cards, too.
Minimum Credit Score for Notable TD Bank Credit Cards
- TD Cash Secured Credit Card: Bad credit
- ...
What credit bureau does TD Bank use for credit card approval?
TD Bank mainly uses Experian to assess your creditworthiness when you apply for a credit card, though they may use TransUnion, Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a TD Bank credit card.
Key Things to Know
- When you apply, TD Bank will perform a hard inquiry on your credit report, which might temporarily damage your credit score...
Does TD Bank do a hard inquiry?
Yes, TD Bank does a hard inquiry when you apply for a loan. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you'll be able to get back on track with a few months of on-time payments.
TD Bank's hard inquiry will stay on your credit report for two years, but it won't affect your credit after one year, and the impact may subside before then. To see how your...
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