Best TD Bank Credit Cards of May 2026
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Written by
Joseph Hostetler
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Edited by
Jasmin Baron, CCC™
TD Bank credit cards are often overlooked among a sea of valuable options. In fact, the issuer has some of the best no-annual-fee credit cards around. The best TD Bank credit cards can help you to avoid high-interest debt and mitigate the effects of inflation on your wallet. There are even some decent options for travelers.
The only problem is that you must live in a state where TD Bank has a physical presence (generally in the Northeastern and Southeastern U.S.) to qualify. If you’re eligible, it’s worth taking a minute to compare TD Bank cards. Here’s what you need to know.
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Quick Overview: Best TD Bank Credit Cards
| Our Choice For | Credit Range | Annual Fee | Highlights | |
|---|---|---|---|---|
| Flexible cash back |
Good – Excellent
670 – 850*
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$0 |
Flexible cash back rewards plus a bonus
Apply Now
More Details
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| Cash Back |
Good – Excellent
670 – 850*
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$0 |
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 purchases.
Apply Now
More Details
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| Balance Transfer Intro APR |
Good – Excellent
670 – 850*
|
$0 |
Long intro APR on balance transfers 0% introductory APR for the first 18 billing cycles on balance transfers made within the first 90 days of account opening. After that, 17.49% – 27.49% variable APR based on your creditworthiness. A 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness applies to purchases.
Apply Now
More Details
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Travel and Dining |
Good – Excellent
670 – 850*
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$89 (waived the first year) |
Earn 3x miles on travel and dining
Full Review
More Details
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Detailed Overview: Best TD Bank Credit Cards
Top Feature
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
Purchase & Balance Transfer APR
0% introductory APR for the first 15 billing cycles on balance transfers made within the first 90 days of account opening. After that a 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. A 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness applies to purchases.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- 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.
- 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.
Top Feature
Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Purchase APR
18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% – 28.49% variable APR based on your credit worthiness.
- 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 purchases.
- Switch spend categories up to four times a year.
- 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.
Top Feature
N/A
Purchase APR
0% introductory APR for the first 18 billing cycles on balance transfers made within the first 90 days of account opening. After that, 17.49% – 27.49% variable APR based on your creditworthiness. A 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness applies to purchases.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
Card Details From Issuer
- Our best balance transfer offer: Get a 0% introductory APR* on balance transfers for the first 18 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 17.49% – 27.49% 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.
Top Feature
Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles
Purchase & Balance Transfer APR
0% introductory APR for the first 12 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 16.74% variable APR. A 16.74% variable APR applies for purchases.
CardCritics™ Opinion
Recommended Credit Score
Annual Fee
Rewards
1X First Class miles on all other purchases – miles never expire as long as your account is open and in good standing
Card Details From Issuer
- Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles
- 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining
- 1X First Class miles on all other purchases – miles never expire as long as your account is open and in good standing
How To Choose the Best TD Bank Credit Card for You
TD has a healthy selection of credit cards. You can quickly find the best one for your wallet by focusing on the following considerations.
What Is Your Credit Score?
Most TD Bank credit cards are best suited for those with a good credit score (670+ on the FICO scale). If your credit score is below this number, you’ll give yourself the best shot at approval if you wait until it is.
What Is Your Specific Credit Card Goal?
TD credit cards serve very distinct purposes. If you’re having a hard time repaying high-interest credit card debt, you may want a card that offers a 0% intro APR. Similarly, if you’re primarily interested in redeeming rewards for cash back, find a card that gives you the highest return for your unique spending habits. And frequent international travelers will want a card that doesn’t charge foreign transaction fees.
How Do You Spend Your Money?
Each TD rewards credit card has unique bonus categories. TD has a couple of the best cash-back credit cards you can find. Depending on what you buy most, you may end up with significantly more cash back each year by using one card instead of another.
I tend to keep both a 2% cash back credit card and a card with generous bonus categories in my wallet. That way, I’m sure to get a respectable return no matter what I’m buying.
Are You Willing To Pay an Annual Fee?
Most TD Bank credit cards don’t have an annual fee, but some do. And you can see why: you’ll typically receive a higher return rate and better benefits. If you’re able to get more value from those cards than you’re paying in fees, they’re worth the upfront investment.
Pros and Cons of TD Bank Cards
TD Bank credit cards can be great for many situations, but there are reasons you might not want one. Here are some angles to consider.
Pros
- Several no-annual-fee options to choose from
- Excellent cash back returns
- Above-average intro APR offers
Cons
- You must live in a state with a TD Bank branch to qualify
- Unmemorable welcome offers
- Rewards program offers no transfer partners
TD Bank Credit Card Benefits
In addition to many standard perks you’ll find on most credit cards, the best TD Bank cards come with some unique qualities. Here are some features you can expect across the TD Bank credit card portfolio:
- Cell phone insurance: TD’s Visa Signature® credit cards offer up to $600 in reimbursement for theft or damage to cell phones. You must pay your bill with your eligible TD credit card.
- Choose-your-own bonus categories: The TD Cash Credit Card lets you choose from an eligible list the bonus categories that best suit your lifestyle. You can select your top two categories to earn unlimited 3% and 2% back (dining, entertainment, gas, grocery stores and travel).
- 0% intro APR: Several credit cards give you an interest-free window between 12 and 18 months on either purchases or balance transfers — or both. Balance transfer credit cards are extremely valuable for those trying to flee high-interest debt.
- Rental car discounts: If you’re approved for a Visa Signature card, you can receive upgrades and various savings opportunities with rental companies such as Avis and Budget.
- Visa Luxury Hotel Collection: Visa Signature cards come with access to an exclusive hotel booking platform where you’ll get special perks at upscale properties.
- Lost luggage reimbursement: Visa Signature cards offer up to $3,000 in reimbursement for bags lost or damaged by the common carrier. You must pay with your eligible TD credit card.
- Purchase security: When a qualifying item is stolen or damaged for eligible reasons within 90 days from the purchase date, you can have it repaired and replaced. You must use your eligible TD credit card to buy the item.
If you can use even a handful of these benefits, a TD credit card may be a great pickup. For example, I’ve used my card’s cell phone coverage twice and saved several hundred dollars.
Alternatives To Consider
If TD’s credit card roster doesn’t seem to have quite what you’re after, consider the following comparable cards from alternative issuers:
- Wells Fargo Active Cash® Card: Similar to the TD Double Up Credit Card, this card is one of the best 2% cash back credit cards, offering unlimited 2% cash rewards on purchases. This simplifies your spending strategy. The card also charges no annual fee.
- Citi Custom Cash® Card : This no-annual-fee credit card is similar to the TD Cash in that it offers bonuses in the spending categories most important to you. The Citi Custom Cash Card automatically gives you 5% back on up to $500 in spending each billing cycle in whichever eligible category you’ve used the most (then 1%).
- Citi® Diamond Preferred® Card: One of the best 0% intro APR credit cards on the market, the Citi Diamond Preferred Card, an advertising partner, competes with the TD FlexPay Credit Card. You’ll receive a 0% introductory APR for the first 18 billing cycles on balance transfers made within the first 90 days of account opening. After that, 17.49% - 27.49% variable APR based on your creditworthiness. A 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness applies to purchases. The card has no annual fee.
How To Apply for a TD Bank Credit Card
Applying for a TD Bank credit card is a similar experience to any other card:
- Enter your name, date of birth, citizenship status, Social Security number and contact information.
- Enter your mailing address. At this point, you’ll know for certain whether TD services your state, as you may not be able to proceed with the application.
- Enter the remaining relevant info and submit your application. Your credit will be subject to a hard inquiry when TD Bank assesses your creditworthiness.
- If your application isn’t approved automatically, it will either be marked as pending or declined.
When your application isn’t approved immediately, it can be worth giving TD Bank a call to ask if there’s any information you can supply that can move your application toward approval.
The information related to the TD First Class℠ Visa Signature® Credit Card and Citi Custom Cash® Card was collected by CardCritics™ and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardCritics™ does not receive a commission for this product.
Frequently Asked Questions About TD Bank Credit Cards
What is the best TD Bank credit card for cash back?
The best TD Bank credit card for cash back depends on your situation. The TD Cash earns between 1% and 3% cash back on eligible purchases, giving you the biggest potential return. However, the TD Double Up Credit Card earns a flat 2% on all purchases. You’ll have to assess your spending habits to decide which best suits you.
Does TD Bank offer no-annual-fee credit cards?
TD Bank has several no-annual-fee credit cards, including the TD Cash, TD FlexPay Credit Card and TD Double Up Credit Card.
Can I get a TD Bank credit card anywhere?
You can’t get a TD Bank credit card anywhere; you must live within their service area. TD has a physical presence in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and Washington, DC.
What credit score do I need for a TD Bank credit card?
Some TD Bank credit cards are made for those with poor or thin credit. But for most cards, we suggest that you have at least a good credit score (670 or higher on FICO’s scale) before you apply
Does TD Bank charge foreign transaction fees?
TD Bank does charge foreign transaction fees on some of its credit cards, such as the TD Cash and the TD Double Up Credit Card. However, the travel-centric TD First Class Card doesn’t charge foreign transaction fees.
How Do Our Critics Evaluate the Cards?
All of the credit cards featured on CardCritics™ are assessed using the same criteria. Our critics evaluate fees, interest rates, balance transfer options, introductory bonuses, rewards, additional benefits and the average credit score required for approval.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.