Last fact checked: May 13, 2026, 3:06 PM

Best TD Bank Credit Cards of May 2026

TD Bank's credit cards focus on simple cash back rewards and balance transfer options, primarily targeting their existing banking customers.

4 cards from TD Bank

Rates & Fees

TD Cash Credit Card

4.5 BCC Score

Apply Now

on TD Bank's secure site

Welcome Offer

$200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

Rewards Rate

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.

Intro APR

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 and 0% introductory APR for first 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness, then 18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

Visa

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.
Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
Instant credit card replacement - If your card is lost or stolen, get an immediate replacement at a TD Bank
Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
Contactless Payments / Digital Wallet
No annual fee
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.

Pros

This card offers customizable 3% and 2% cash back categories to best fit your spending habits
Unlimited 1% Cash Back on all other eligible purchases
Over a year-long intro APR on purchases and balance transfers

Cons

There is a 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.
This card has a foreign transaction fee of 3% of each transaction in U.S. dollars

Rates & Fees

TD Double Up Credit Card

4.5 BCC Score

Apply Now

on TD Bank's secure site

Welcome Offer

$200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening

Rewards Rate

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 APR

None and 0% introductory APR* on balance transfers for first 15 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness., then 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness.

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

Visa

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.
*Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

Pros

Cardholders can enjoy unlimited Cash Back on all eligible purchases.
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
There is a lengthy intro balance transfer period.

Cons

Unfortunately, there is no intro APR for purchases with this card.

Rates & Fees

TD Business Solutions Credit Card

4.5 BCC Score

Apply Now

on TD Bank's secure site

Welcome Offer

Earn $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening. 0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness.

Rewards Rate

Earn unlimited 2% Cash Back on all eligible purchases.

Intro APR

0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness and N/A, then 17.49%, 22.49% or 27.49% variable APR based on your creditworthiness

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

Visa

Limited Time Offer: Earn $400 Cash Back in the form of a statement credit when you spend $3,000 within the first 90 days after account opening. 0% intro APR* on purchases for the first 12 billing cycles after account opening. After that, 17.49% - 27.49% variable APR based on your credit worthiness.
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.
Add Employee cards at no cost with the ability to set spending limits.
No annual fee
Visa Spend Clarity for Business – at no cost to you, access a suite of spend management tools to keep spending on track with dashboards and reporting, card controls and integration with accounting software.
Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
Enjoy Visa security on purchases, plus protection against unauthorized charges.
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.

Pros

Cardholders can enjoy unlimited 2% Cash Back on all eligible purchases
There are no rotating spend categories to keep track of
Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card

Cons

There is no intro APR on balance transfers
This card has a foreign transaction fee of 3% of each transaction in U.S. dollars

Rates & Fees

TD FlexPay Credit Card

3.5 BCC Score

Apply Now

on TD Bank's secure site

Welcome Offer

—

Rewards Rate

—

Intro APR

None and 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., then 17.49%, 19.49%, 22.49%, 25.49% or 27.49% variable APR based on your creditworthiness.

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

Visa

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
Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
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.

Pros

Save money with a long Intro Balance Transfer APR period and no annual fee!
Enjoy Visa benefits such as cell phone protection when you pay your monthly mobile bill with your card.

Cons

There is no intro APR for purchases with this card.
This card does not offer a rewards program for purchases.
There is an Intro Balance Transfer 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.