TD Bank, America's Most Convenient Bank is one of the 15 largest commercial banks in the U.S., with more than 22,000 employees and deep roots in the community dating back more than 150 years. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5... show more
TD Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/21/2022.
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TD Bank Personal Loan Review
TD Bank offers inexpensive personal loans, with APRs starting at 6.99% and stopping at a maximum of 18.99%. That’s around half as high as the 36% maximum possible from many other major lenders. TD Bank is also unique in that it’s one of a handful of major lenders that offer not just unsecured personal loans but secured loans as well. TD’s unsecured loans don’t charge origination fees, but there’s a $50 fee on secured loans.
One drawback to TD Bank is that they only operate in 15 states and D.C. However, people who do live in areas the bank services will be able to enjoy competitive terms on their loans. Customers can borrow up to $50,000 and can get up to 60 months to pay their loans off. TD also has a good reputation from the BBB and from their customers, which means consumers can borrow with confidence.
TD Bank Personal Loan Review Highlights:
• APRs: 6.99% to 18.99%
• Loan sizes: $2,000 to $50,000
• Payoff periods: 12 to 60 months
• Credit score requirement: 750+ (660+ for TD customers)
• Origination fee: $0 for unsecured, $50 for secured
• Other fees: $5 late payment fee
• Reputation: Payoff scores an A+ with the Better Business Bureau and has a 3.8/5 user rating on WalletHub.
• Co-signers: Allowed
Altogether, TD Bank personal loans are a great option for those fortunate enough to live in one of the states the bank services. Below, you can see how WalletHub rates TD Bank in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
The TD Bank Cash Visa Card is an average offer with a cherry on top for someone with the excellent credit needed for approval. That cherry comes in the form of a $100 initial bonus for spending just $500 within 90 days of account approval and the offer’s lack of an annual fee. The middling nature of the offer comes from its 1% cash-back base earning rate (supplemented by just 2% back only on dining); its unfavorable regular APR; and a 4% balance-transfer fee that ruins the availability of 0% financing on balance transfers for the first 12 months.
All things considered, this isn’t a bad card to have in your wallet if you’re a relatively light spender who has excellent credit, pays with credit primarily when dining out and 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: http://wallethub.com/edu/td-bank-credit-card-review/25997/ .
The Nordstrom Store Credit Card is available to people with fair/limited credit and does not charge an annual fee. As such, it’s a great way to invest in your credit standing. This card also offers a decent initial bonus and solid ongoing rewards, at least in percentage terms, giving you a $20 rebate on a purchase of at least $100 the day of account opening and then the points equivalent of 2% back on Nordstrom purchases. Plus, you’ll benefit from free alterations, “triple-points days” and other Nordstrom deals. But it’s important to note that most of that package is easily replaceable by another credit card. So you shouldn’t lose any sleep if you choose to let this offer slip by. And if you’re on the fence about whether to apply, you can learn more from our in-depth Nordstrom Credit Card review: https://wallethub.com/edu/nordstrom-credit-card-review/25965/.
I've had this card for a little more than a year and they've been steadily increaing my limit without me having to ask. I'm not even sure if there's a place on their website to make a request for a higher limit but I started out at $600 and then it was $1000. Then one day out of the blue they thanked me for my business and bumped it up to $1500. Now I'm at a $2300 credit limit which is great because it gives me that extra room to maintain a low utilization rate. I use it primarily for a few groceries and most of my consumables. But what I really like about it is the ease of use when it comes to making payments. Other store card sites have me searching and digging around to find the area to make a payment but Target clearly says "Pay Bill Here". ?
Online:Log in to your Target account on the website and click “Pay Now.”
Over the phone. Call (888) 755-5856 and follow the prompts to make a payment, or ask to speak with a Target guest services representative.
In a Target store. You can pay your credit card in person at any Target store, too. Visit the Guest Service Counter, and have your billing statement or Target Credit Card ready, so the attendant can look up your account number.
By mail. If you prefer to pay your Target Credit Card by mail, send a check and your payment coupon to: Target Card Services P.O. Box 660170 Dallas, TX 75266-0170
Keep in mind that payments via mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
You can apply for the Target Credit Cardonline or in any Target store, at the customer service counter. You will need to have identification on you; Social Security Number, driver's license, state ID or military ID.
You can locate a Target in your proximity here. If you qualify, you may be instantly approved. Otherwise, if further verification is needed, you should receive a decision in the mail within 7-10 business days. If you're approved, your card will be mailed in another 7-10 business days.
The best TD Bank business credit card is the TD Business Solutions Credit Card because of its signup bonus of 25,000 points for spending $1,500 in the first 90 days. With this card, you also earn up to 2% cash back on eligible purchases. The TD Business Solutions Credit Card is currently the only business credit card offered by TD Bank, but it comes with some good rewards and perks.
TD Bank Business Credit Card Features
1 point per $1 spent (1% cash back) on all eligible purchases. Plus, an extra 1% cash back when you redeem your rewards into an eligible TD Bank Deposit Account.
Signup bonus of 25,000 points after spending $1,500 in the first 90 days
$0 annual fee
Excellent credit required
If you're not a loyal TD Bank customer, you can also check out our editors' latest picks for the best business credit cards to weigh your options.
You can fill out a TD Bank credit card application online, over the phone, or in person at a TD Bank branch location. Applying online is the easiest way to do it. Simply provide your name, Social Security number, phone number, mailing address, email address, and other requested personal information and submit your application.
In most cases, you'll get a quick credit decision when applying for a TD Bank credit card online, but sometimes they will need more time to verify your information. In this case, call 1-888-561-8861 and press 4 to check your application status. You'll need to provide your Social Security number to pull up your application.
To apply for a TD Bank credit card by phone, call 1-888-561-8861 and press 3. To apply in person, visit a TD Bank location near you.