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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Points Rewards and Cash Back Credit Cards

Choose the TD credit card where you can earn points rewards for your purchases that can be redeemed for cash back, gift cards, travel, and more. Remember, the TD Business Solutions Credit Card is available for business and commercial purposes only.

  • 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

    Special Offer: Earn $200 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, 19.49%-29.49% variable APR based on your creditworthiness

    No annual fee*


  • 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, 19.49%-29.49% variable APR based on your creditworthiness

    No annual fee*




Points Rewards and Cash Back credit card FAQs

Credit card points are a type of reward that can be earned in exchange for eligible credit card spending. These points can be redeemed for statement credits, travel purchases, online retail purchases and other redemptions depending on the credit card issuer's rewards program and criteria for point redemption. Some credit cards, like the TD First ClassSM Visa Signature® Credit Card, offer miles rewards on eligible purchases.


Rewards credit cards provide an added advantage by offering different types of rewards for eligible purchases made using the rewards credit card. Some card issuers may offer more points or cash back on certain types of purchases or spend categories. They may also offer a welcome bonus of a specified amount of points for new customers with a minimum spending amount.

Depending on the credit card issuer, once you have enough rewards points to redeem then you can redeem for a variety of things such as cash back, statement credit, merchandise, gift cards, and travel. 


Credit card rewards can be redeemed for a variety of options such as cash back, statement credit, merchandise, gift cards and travel.


In many cases, you can redeem your cash back or points rewards for your credit card by visiting your bank's website or logging in to your credit cards online banking portal. For TD Bank credit cards, points can be redeemed through our Online Banking portal or by logging in to your TD Bank app.  Access your rewards earnings details and choose the best redemption option for you.

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TD Double Up Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. 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.

1For the TD Double Up credit cards, maximum bonus accumulation for this promotional offer is 15,000 Bonus Points, equal to $150 in the form of a statement credit. Provided your TD Double Up Card 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 spend $1,000 in total net purchases within 90 days of account opening. This offer only applies to new TD Double Up 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. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD Cash Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules 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.

2For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 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 online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD FlexPay Credit Card
*Read important Credit Card Terms and Conditions for details about your account including rates, fees, and balance transfer rules. 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 Credit Card 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 Credit Card 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 Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. 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.

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. 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.

TD Cash Secured Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

4The TD Cash Secured Credit Card can help build your credit with responsible use. TD Bank reports your account to the three major credit bureaus which can help you build or rebuild your credit if you use your credit card responsibly. Responsible use includes but is not limited to paying at least the minimum payment on time. Late payments and other derogatory activity may negatively impact your ability to build or rebuild your credit.

TD Business Solutions Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. The person applying for the account is individually liable for the payment of all balances on the account and all cards issued pursuant to this application.

5For the TD Business Solutions credit cards, maximum bonus accumulation for this promotional offer is 25,000 Bonus Points, equal to $250 in the form of a statement credit. Provided your TD Business Solutions Card 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 spend $1,500 in total net purchases. This offer only applies to new TD Business Solution Credit Card accounts during this 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. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

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