Limited-Time Offer
Purchase APR
0% introductory APR on purchases for the first 15 billing cycles after account opening, then 18.99%, 23.99% or 28.99% variable APR based on your credit worthiness.
Balance Transfer APR
0% introductory APR on balance transfers for the first 15 billing cycles after account opening, then 18.99%, 23.99% or 28.99% variable APR based on your credit worthiness.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
1% – 3% 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.
Intro Bonus
Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

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Critics' Overview
The TD Cash Credit Card allows you to pick what purchases earn elevated rewards from a list of popular options. This no annual fee card also has a welcome bonus and a generous intro APR on purchases and balance transfers. The primary drawback, however, is the card’s limited availability as you must reside in certain states. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
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.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
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, 18.99% – 28.99% 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.
Apply Now
On TD Bank's Secure site
Limited-Time Offer
Purchase APR
18.99%, 23.99% or 28.99% variable APR based on your creditworthiness.
Balance Transfer APR
0% introductory APR on balance transfers for the first 15 billing cycles after account opening, then 18.99%, 23.99% or 28.99% variable APR based on your creditworthiness.
Recommended Credit Score
Good – Excellent
670 – 850*
Cash Back
2% Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.
Intro Bonus
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening

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Critics' Overview
The TD Double Up℠ Credit Card is an excellent flat-rate rewards card as it offers unlimited 2% cash back on all purchases. There is a welcome bonus and an intro APR on balance transfers. However, this offer is only available in select states. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
0% introductory APR on balance transfers for the first 15 billing cycles after account opening. After that a 18.99%, 23.99% or 28.99% variable APR based on your creditworthiness. A 18.99%, 23.99% or 28.99% variable APR based on your creditworthiness applies to purchases.
Balance Transfer Fee
Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
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.
Apply Now
On TD Bank's Secure site
Purchase APR
17.99%, 19.99%, 22.99%, 25.99% or 27.99% variable APR based on your creditworthiness.
Balance Transfer APR
0% introductory APR on balance transfers for the first 18 billing cycles after account opening, then 17.99%, 19.99%, 22.99%, 25.99% or 27.99% variable APR based on your creditworthiness.
Recommended Credit Score
Good – Excellent
670 – 850*

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Critics' Overview
The TD FlexPay Credit Card is available in a select number of states. It offers a long intro APR on balance transfers so it is ideal for someone who wants to transfer another credit card balance. This card also offers a late payment safety net as it will refund one late fee up to $40 every 12 billing cycles in the form of a statement credit. Read our in-depth Review to learn more.
Purchase & Balance Transfer APR
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. A 17.99%, 19.99%, 22.99%, 25.99% or 27.99% variable APR based on your creditworthiness applies to purchases.
Balance Transfer Fee
Intro Balance Transfer fee of either $5 or 3% of the amount each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit Score
Good – Excellent (670 – 850*)
Card Details From Issuer
- 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.
Apply Now
On TD Bank's Secure site
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.