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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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See if you're prequalified for a credit card offer – with no impact to your credit score

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Help build your credit with a secured credit card

Earn cash back, customize your spend categories and get a low annual fee – all while you build your credit with the TD Cash Secured Card.

Building credit FAQs

Yes, a secured credit card may help you build or rebuild your credit. A secured credit card is designed for individuals who haven't started building their credit history – like a recent high school or college graduate – or those who want to improve their credit. By using the card responsibly, you could help build a good credit history and increase your credit score.

A secured credit card allows you to charge expenses like any non-secured credit card. The difference is that a secured card is backed with a cash deposit you make with the bank or card issuer that serves as collateral for your secured credit card. Typically, the collateral amount will be your credit limit as well.

At TD Bank, if you are conditionally approved for the TD Cash Secured Credit Card, you'll open a TD Simple Savings account and make a deposit to set your credit limit, up to your conditionally approved amount.

As you use your card and make payments, TD Bank reports your credit card activity to the three major credit bureaus. If you use the account responsibly and keep it in good standing, you can build a positive credit history and may be eligible to graduate to an unsecured card. Please keep in mind, not all accounts qualify for graduation. 

The credit limit for a TD Cash Secured Card is $300–$5,000, subject to credit approval. If you are conditionally approved for the card, you'll open and fund a TD Simple Savings account as your security deposit.

You can deposit a minimum of $300 up to your conditionally approved amount to set your credit limit.

A secured card lets you charge expenses and requires monthly payments like an unsecured card, but it's secured by the cash in your linked savings account. You are required to keep your purchases within your savings deposit amount. With an unsecured card, the card issuer assumes, based on your credit history and other factors, that you will be able to make at least the minimum monthly payment every month. Your creditworthiness helps the card issuer to determine the credit limit.

To apply for the TD Cash Secured Credit card, you'll need to be at least 18 years old and a U.S. resident.

You'll also need to provide the following info:

  • Full legal name
  • Date of birth
  • Current address and whether you rent or own and if you've recently moved
  • Social Security Number
  • Gross annual income
  • Employment information
  • Bank account information

Learn more and apply online for the TD Cash Secured Card or visit a TD Bank near you to apply in person.

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View Credit Card Agreements for TD Bank Credit Cards.
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TD Double Up Credit Card
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfers and rewards program rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date 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 20,000 Bonus Points, equal to $200 in the form of a statement credit. Provided your TD Double Up Card is open and in good standing, the 20,000 Bonus Points, equal to a $200 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $1,500 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 transfers and rewards program rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date 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 $1,000 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 rates, fees, balance transfer rules. If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date 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. For more information, see Terms and Conditions.

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 transfers and rewards program rules.If you take advantage of a 0% introductory or promotional Annual Percentage Rate (APR) balance transfer offer and then you use your Account to make new purchases, you can avoid paying interest on those new Purchases if you pay each month by the payment due date 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 card, maximum bonus accumulation for this promotional offer is 40,000 Bonus Points, equal to $400 in the form of a statement credit. Provided your TD Business Solutions Card is open and in good standing, the 40,000 Bonus Points, equal to a $400 statement credit will be reflected on your Account within 6 to 8 weeks after you spend $3,000 in total net purchases within 90 days of account opening. This offer only applies to new TD Business Solution 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.

6Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. Recurring payments can be set up at tdbank.com or directly with your cell phone service provider.

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