The TD Cash Credit Card is a good offer with a cherry on top for someone with the good credit needed for approval. That cherry comes in the form of an initial bonus of $200 cash back for spending $1,000 within the first 90 days of account approval and the offer’s lack of an annual fee. The middling nature of the offer comes from its cash-back base earning rate; its unfavorable regular APR; and a balance-transfer fee that ruins the availability of the intro APR promotion. All things considered, this is a good card to have in your wallet if you’re a relatively light spender who has good credit who never carries a balance from month to month. In such a scenario, it won’t cost you a thing and will provide a decent rewards yield without requiring much thought. But if you want to get the best credit card possible, this isn’t the offer for you. The excellent-credit corner of the market is quite competitive, and there are better deals to be had whether you’re in the market for rewards or low-cost financing. For more information about how we came to this conclusion and some alternative offers to consider, check out our full-length TD Bank Credit Card review.
TD Bank Credit Card Offers (December 2025)
- TD Double Up Credit Card - Cash Back
- TD Cash Credit Card - No Annual Fee
- TD First Class Visa Signature® Credit Card - Initial Bonus
- TD Cash Secured Credit Card - Building Credit
- Target Credit Card - Fair Credit
Below, you can compare the most prominent TD Bank credit cards based on their fees and rewards. If you would like to contact the company about an existing account, the TD Bank credit card customer service phone number is 1-888-561-8861.
You can check your latest credit score for free on WalletHub to get a feel for your odds of TD Bank credit card approval. And then after you find the right card and submit an application, you can check your TD Bank credit card application status 24/7 by calling 888-561-8861.
TD Bank Credit Cards
0% for 15 billing cycles
0% for 15 billing cycles|Transfer Fee: 3% intro fee ($5 min) for transfers made within the introductory offer, 5% ($5 min) after that
18.99% - 28.99% (V)
annual fee
$0
rewards rate
1 - 3% Cash Back
Bonus Offer
$200
Bonus Offer
$200
Good
Pros
- No annual fee
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- $200 initial rewards bonus
Cons
- Above-average regular APR
- Requires good/excellent credit
Rewards Details
- Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
- Switch spend categories up to four times a year.
Additional Info
- NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.99% - 28.99% variable APR based on your credit worthiness.
- No annual fee
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
Not Offered
0% for 18 billing cycles|Transfer Fee: 3% (min $5) on transfers made within the introductory offer (5%, min $5 after)
17.99% - 27.99% (V)
annual fee
$0
rewards rate
None
Good
Pros
- No membership fees
- 0% intro APR on balance transfers
Cons
- No rewards
- No initial rewards bonus
- No intro APR on purchases
- Balance transfer fee
Additional Info
- Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles after account opening. After that, 17.99% - 27.99% variable APR based on your creditworthiness.
- No annual fee
- Get built-in flexibility with the TD FlexPay Credit Card
- Our best balance transfer offer.
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
Not Offered
0% for 15 billing cycles|Transfer Fee: 3% intro fee ($5 min) for transfers made within the introductory offer, 5% ($5 min) after that
18.99% - 28.99% (V)
annual fee
$0
rewards rate
2% Cash Back
Bonus Offer
$200
Bonus Offer
$200
Good
Pros
- No membership fees
- 0% intro APR on balance transfers
- High rewards rate
- $200 initial rewards bonus
Cons
- No intro APR on purchases
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
Rewards Details
- Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
- Earn unlimited 2% Cash Back on all eligible purchases
- No reward categories, no caps, no worries.
Additional Info
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.
Secured Card
Min Deposit of $300
One-Time Fees
$0
26.99% (V)
annual fee
$29
monthly fee
$0
rewards rate
1 - 3 point / $1
Bad
Pros
- High rewards rate
- Low membership fees
- Qualify with bad credit
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Rewards Details
- Earn 3 points per $1 spent (equivalent of 3% cash back) and 2 points per $1 spent (equivalent of 2% cash back) on your choice of spend categories. Plus, you can switch your categories quarterly.
- Earn 1 point per $1 spent (equivalent of 1% cash back) on all eligible purchases.
- You may redeem once you have accumulated at least 2,500 points as either a statement credit or direct deposit.
Additional Info
- Apply online for the TD Cash Secured Credit Card and once you're conditionally approved, visit a TD Bank near you to open a TD Simple Savings account.
- Bring a minimum of $300 to fund the security deposit. You can use a check, cash or transfer from another TD account.
- Once your savings account is opened and funded, TD Bank will mail your new secured card to you. Activate it and start building your credit.
- If you use and maintain the card and keep it in good standing, you may be eligible to graduate to an unsecured TD Bank Credit Card.
Not Offered
Not Offered
28.70% (V)
annual fee
$0
rewards rate
1 - 5 %
Bonus Offer
$50
Bonus Offer
$50
Excellent
Pros
- No membership fees
- High rewards rate
- $50 initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No balance transfers allowed
- Requires excellent credit
Rewards Details
- Get $50 off a future qualifying purchase over $50 within the first 60 days when approved for a credit or debit card.
- Save 5% when you use your card in-store or online at Target or at any in-store Starbucks location. This includes purchases involving specialty gift cards, same day delivery and drive up service.
- Earn 2% in rewards on dining and gas, and 1% on all other purchases outside Target or Target.com. Rewards can be redeemed toward a Target GiftCard.
- Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
- Extended returns for 30 extra days at Target or Target.com.
- Exclusive extras, including special items and offers.
Not Offered
Not Offered
32.40% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
$40
Bonus Offer
$40
Good
Pros
- No membership fees
- High rewards rate
- $40 initial rewards bonus
- No foreign fee
Cons
- No intro APR on purchases
- No balance transfers allowed
- Requires good/excellent credit
Rewards Details
- Get $40 off your next purchase when you apply, get approved, and use your card on the same day.
- Cardmembers automatically get Influencer status and earn 2 points per $1 spent on all purchases from Nordstrom, Nordstrom Rack and Nordstrom Local, online and in stores.
- Get Ambassador status by spending at least $5,000 per year at Nordstrom locations. Ambassador status members earn 3 points per $1 spent on all purchases from Nordstrom, Nordstrom Rack and Nordstrom Local, online and in stores.
- Earn 2 points per $1 spent on gas, EV charging, groceries, dining and streaming services.
- Earn 1 point per $1 spent everywhere else Visa is accepted.
- Get 5% off every Nordstrom Rack purchase. Terms apply.
- For every 1,000 points, you'll get a $10 Nordstrom Note.
- Enjoy benefits like: Personal Double Points Days, Free Basic Alterations and Priority Access to Style Events.
- Automatically get access to exclusive benefits with The Nordy Club.
Additional Info
- If you apply for a Visa credit card, you'll be considered for a Visa Signature® or Visa Platinum®, based on your credit worthiness. If you don't qualify for a Visa credit card, your application will be considered for a Nordstrom retail credit card.
- Visa benefits.
Not Offered
0% for 12 months|Transfer Fee: 3% (min $5)
17.24% (V)
annual fee
$0 intro 1st yr, $89 after
rewards rate
1 - 3 miles / $1
Bonus Offer
Up to 25,000 miles
Bonus Offer
Up to 25,000 miles
Good
Pros
- 0% intro APR on balance transfers
- High rewards rate
- Up to 25,000 miles initial rewards bonus
- No membership fees first year
Cons
- Membership fees in the second year
- No intro APR on purchases
- Balance transfer fee
- Requires good/excellent credit
Rewards Details
- Earn 15,000 miles after your first purchase within 6 billing cycles, plus an additional 10,000 miles after spending a total of $3,000 in net purchases within the same 6 billing cycles of account opening.
- You earn 3 miles for every dollar spent on travel-related expenses such as flights, hotels, car rentals, cruises, and dining. For all other purchases, you earn 1 mile per dollar spent.
- Miles never expire as long as your account is open and in good standing.
- Book your travel your way and simply redeem your miles with no blackout dates, restrictions or fees.
Additional Info
- Enjoy Visa security on purchases, plus protection against unauthorized charges.
- Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases.
Not Offered
Not Offered
28.95% (V)
annual fee
$0
rewards rate
5% discount
Bonus Offer
$50
Bonus Offer
$50
Fair
Pros
- No membership fees
- $50 initial rewards bonus
- Qualify with fair credit
Cons
- High regular APR
Rewards Details
- Get $50 off a future qualifying purchase over $50 within the first 60 days when approved for a credit or debit card.
- Save 5% when you use your card in-store or online at Target or at any in-store Starbucks location. This includes purchases involving specialty gift cards, same day delivery and drive up service.
- Free 2-day shipping on hundreds of thousands of items at Target.com. Some market exclusions apply.
- Extended returns for 30 extra days at Target or Target.com.
- Exclusive extras, including special items and offers.
Additional Info
- Access your Target Credit Card - check your credit card account balance, make a payment, and review past statements.
0% - 9.99% for 6 - 24 months
Not Offered
29.99%
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Deferred Interest Details: No Interest if paid in full in 6 or 12 months with a minimum purchase of $500.
- Limited time offer - Fixed Rate Financing: 9.99% APR for 24 months with a minimum purchase of $1,000.
- Special access to cardmember-only offers and promotions.
0% - 9.99% for 12 - 60 months
Not Offered
29.99%
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Deferred Interest Details: No Interest if paid in full within 12 months. Terms Apply.
- Fixed Rate Financing: 9.99%, APR for 24, 36, 48 or 60 months.
- Exclusive cardholder perks.
- Easy-to-use online account management and bill payment options.
0% - 9.99% for 6 - 72 months
Not Offered
29.99%
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Deferred Interest Details: No interest if paid in full within 6, 12 or 18 months with a minimum purchase of $600, $1,199 or $450, respectively.
- Equal Payments Financing: 0% APR for 36 or 48 months with a minimum purchase of $899 or $1,199, respectively.
- Equal Payments Financing: 0% APR for 72 months with a minimum purchase of $7,200 or more.
- Limited time offer - Equal Payments Financing: Pay $1 initial payment (plus tax). Remaining lease payments will be determined upon item selection.
Not Offered
Not Offered
29.99%
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
Additional Info
- Reusable line of credit.
- 24/7 online account management.
0% for 6 - 36 months
Not Offered
29.99%
annual fee
$0
rewards rate
None
Fair
Pros
- No membership fees
- Qualify with fair credit
Cons
- No rewards
- High regular APR
- Deferred interest
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 or 12 months with no minimum purchase required.
- Limited time offer - Equal Monthly Payment Financing: 0% APR for 36 months on qualifying purchases.
- Cardholder-exclusive offers and events.
TD Bank Credit Card Reviews
What's Your Rating?
TD Bank Credit Cards FAQ
Get answers to your questions about TD Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
- Most Popular
- Most Upvotes
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
- TD Double Up Credit Card: Good credit
- TD First Class Visa Signature® Credit Card: Good credit
- TD Cash Credit Card: Good credit
Keep in mind that just because it's not hard to get some TD Bank credit cards, that doesn't mean it's necessarily easy to get all of them. You're also never guaranteed to be approved, even for the cards with the easiest approval requirements.
What are the TD Bank credit score requirements?
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) ...
How Long Does It Take to Get a TD Credit Card?
It takes 7 - 10 business days to receive a TD credit card once the application is approved. The timeline is the same for replacement cards, though replacement cards have the option of 48-hour expedited delivery, which may incur a fee of up to $25. TD Bank does not offer expedited delivery for new credit cards.
The total time it takes to get a TD credit card ultimately depends on how quickly you're approved for...
How can I log in to my TD Bank account online?
To log in to your TD Bank credit card account, go to the login page on the TD Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Log in” to access your online account. If you don't already have an account, you will need to start by clicking “Sign up for Online Banking” in order to set up a username and password.
How to Log in to...
How can I log in to my Target Credit Card account online?
You can log in to your Target Credit Card account by going to the login page on the Target website and entering your username and password in the appropriate fields. Then, click the “Sign in” to access your online account.
How to Register for Online Access on your Target Credit Card Account
- Register your Target Credit Card for online account access. Click “Sign up” and enter your card number to verify your credit card account.
- Choose your Target Credit Card username...
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
