TD Bank, National Association TD First Class | Consumer Financial Protection Bureau

State-by-state

Availability

To apply, you must live in Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

td.com

Phone

(877) 468-3178

Purchase interest rate and fees

17.74%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	17.74%	1 dollar sign symbol Pay less interest
720+	17.74%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is variable, meaning it can go up or down based on the index listed in the details below. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: A minimum interest payment of $1 is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases
Purchase APR index: The purchase APR varies depending on the value of the prime index

Learn more about how credit card interest is calculated.

Fees

$89

Waived 1st year

Late fee: $29 for the first late payment and $40 for a late payment within six billing cycles of another late payment
Late fee policy details: Late fee amount not to surpass minimum payment amount
Over-limit fee: None
Returned Payment Fee: $40 (We may charge you this fee each time your financial institution for any reason rejects a payment you make to us, or if the payment cannot be processed. The first Returned Payment Fee will be equal to $29 or your minimum payment due; whichever is less, eve)
Copy Fee: $7 (We may charge you a fee of up to $7 for each copy of a Statement or sales draft you request or up to $5 for each copy of a payment check or written Access Device you request. However, we will not charge you for copies of documents that you request in conn)
Emergency Replacement Card Fee: $25 (If you request a replacement Card on an expedited basis (for example, to replace a lost or stolen Card), we may charge you an Emergency Replacement Card Fee of up to $25.)
Stop Payment Fee: $39 (If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39.)

Rewards and perks

Cash back, travel, and other

Other rewards: Spend to Get

Services

Access to Free Credit Scores
Discounts on purchases of goods and services (non travel related)
Extension on manufacturer’s warranty
Cell Phone Protection, Lost Luggage Reimbursement, Travel Accident Insurance, Travel Emergency Services, Visa Concierge, Purchase Security, ID Theft Protection

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

0%*

+

3% ($5 minimum)

*As of Dec. 31, 2024. Advertised balance transfer APRs change over time. Check rates before applying.

After 12 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

29.74%*

+

3% ($10 minimum)

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.