TD Bank Credit Cards

Check out our special offers and find the credit card that meets your needs and has the benefits you want – like Cash Back Rewards, balance transfer offers and a credit card with a predictable minimum payment.


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Balance Transfer Credit Cards

Move outstanding debt from one of your credit cards at another financial institution to your TD credit card to help you manage your credit card debt.

  • Earn 2% unlimited Cash Back – no rotating Spend Categories, no caps or limits

    Special offer: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening1

    Balance transfer: 0% intro APR for the first 15 billing cycles after account opening. After that, 20.24%–30.24% variable APR based on your creditworthiness*

    No annual fee*


  • SPECIAL OFFER

    Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases

    Limited Time Offer: Earn 5% Cash Back on Gas Station purchases for 6 months or up to $6,000 in spend**

    Special Offer: Earn $150 Cash Back when you spend $1,000 within the first 90 days after opening your account2

    Balance transfer: 0% intro APR for the first 15 billing cycles after account opening. After that, 20.24%–30.24% variable APR based on your creditworthiness*

    No annual fee*


  • Our best balance transfer offer: 0% intro APR for first 18 billing cycles after account opening. After that, 19.24%–29.24% variable APR based on your creditworthiness*

    Late fee forgiveness – we'll automatically refund your first late fee each year. Please note, past due payments may impact your credit score.

    No annual fee*

     


Balance Transfer credit card FAQs

A balance transfer credit card allows you to transfer debt from one credit card to another card. 


Apply for a balance transfer credit card. Remember that applying for a new credit card can trigger a hard credit inquiry on your credit report which can impact your credit score.

Depending on the credit card, you may be able to initiate a balance transfer request during the application process itself. However, the balance transfer may not be initiated for a couple of weeks if not longer when you apply for the card.

Therefore, you should keep up at least the minimum payments on the account from which you transferred debt until the balance transfer appears on your new credit card account.

Additionally, you should keep in mind the credit limits and balance transfer limits, if any, on your new credit card account before initiating balance transfers to it.


A credit card balance transfer is a transfer of a balance from one credit card account to another. You may wish to transfer, for example, a balance from a high-interest-rate credit card to a credit card with a lower balance transfer interest rate. There may also be a balance transfer fee associated with each balance transfer you initiate. The balance transfer fee depends on the credit card, but it is often around 3 - 5% of the amount transferred. A balance transfer could enable you to pay off the debt faster and pay less total interest. When the introductory or promotional period ends, the interest rate for balance transfers you were informed of in your account opening terms and conditions or in your balance transfer promotion's terms and conditions will be applied to the balance.


For TD Bank credit cards, it may take 2 to 4 weeks to process a balance transfer request after your account is opened. Other issuers may vary in how long it can take to process a balance transfer request.

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TD Double Up Credit Card
*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

1Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One Time Bonus Offer") of 15,000 Bonus Points, equal to $150 in the form of a statement credit. To qualify for the $150 statement credit, you must spend $1,000 in total Purchases using the Account within 90 days of the Account opening date. Provided your Account is open and in good standing, the 15,000 Bonus Points, equal to a $150 statement credit will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD Cash Credit Card
*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

** The Gas Station offer works by applying an additional 4% Cash Back for each $1 spent on eligible purchases spent at Gas Stations for the first 6 months from the account open date, or until you reach $6,000 in Gas Station purchases, whichever occurs first. At account opening, the Gas Station Spend Category will be assigned to the 1% Reward tier. Gas purchases made at superstores and warehouse clubs will only qualify for one (1) point, regardless of merchant category code (MCC).

2Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 15,000 points which can be redeemed for $150 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $150 Cash Back rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1000 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD FlexPay Credit Card
*Read important terms and conditions for details about your account including APRs, fees, and balance transfers. Balance transfer 0% introductory APR for first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness. 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. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

Late fee forgiveness does not change your monthly payment requirement. Past due payments will be reported to credit bureaus subject to applicable law and standard practices. This may affect your credit score.

TD Clear Visa Platinum Credit Card with a $1,000 Credit Limit
*Read important terms and conditions for account details. The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD Clear Visa Platinum Credit Card with a $2,000 Credit Limit
Read important terms and conditions for account details. The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD First Class Visa Signature Credit Card
*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 12 billing cycles after account opening. After that, 18.49% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.
Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1 mile for each dollar spent.

3Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net eligible purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD Cash Secured Credit Card
*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD Business Solutions Credit Card
*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details.

4If you are approved for an Account in response to this specific offer, you can earn 5% on all eligible purchases for 6 months from your account open date, or up to $10,000 in spend, whichever comes first. This translates to 50,000 bonus points which can be redeemed for $500 Cash Back rewards. Provided your TD Business Solutions Credit Card account is open and in good standing, the Cash Back rewards will be reflected in the Points Summary of your Credit Card statement after each individual purchase. This offer only applies to new TD Business Solutions Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us.

5Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. us. If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One Time Bonus Offer") of 25,000 Bonus Points, equal to $250 in the form of a statement credit. To qualify for the $250 statement credit, you must spend $1,500 in total Purchases using the Account within 90 days of the Account opening date. Provided your Account is open and in good standing, the 25,000 Bonus Points, equal to a $250 statement credit will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this Account or any other account with us.

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