Bank · FDIC insured
TD Bank Credit Card Rates
TD Bank credit card rates start at 16.74% APR. Rates checked October 22, 2026.
How TD Bank’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where TD Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
TD Bank
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
TD Cash Credit Card
0% intro APR on balance transfers for 15 billing cycles (for transfers completed within the first 90 days of account opening) and on purchases for 12 billing cycles; then 18.49% - 28.49% variable APR based on creditworthiness. Cash advance APR is 28.74% variable. Earn $200 Cash Back bonus after spending $1,000 within the first 90 days. Must be at least 18 years old and a U.S. resident.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory purchase APR for the first 12 billing cycles after account opening. |
| Intro, 15 months | 0.00% | None | Introductory balance transfer APR for the first 15 billing cycles on transfers made within the first 90 days of account opening. Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater (after 90 days, $5 or 5%, whichever is greater). |
| Ongoing | 18.49%–28.49% | None | Standard variable purchase and balance transfer APR after introductory period based on creditworthiness. Minimum interest charge $1. |
| Ongoing | 28.74% | None | Variable APR for cash advances. Cash advance fee is $10 or 5% of advance, whichever is greater. |
TD Double Up Credit Card
0% intro APR on balance transfers for 15 billing cycles (for transfers completed within the first 90 days of account opening) and on purchases for 12 billing cycles; then 18.49% - 28.49% variable APR based on creditworthiness. Earn $200 Cash Back bonus after spending $1,500 within the first 90 days. Must be at least 18 years old and a U.S. resident.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory purchase APR for the first 12 billing cycles after account opening. |
| Intro, 15 months | 0.00% | None | Introductory balance transfer APR for the first 15 billing cycles on balance transfers made within the first 90 days of account opening. |
| Ongoing | 18.49%–28.49% | None | Standard variable APR after introductory period based on creditworthiness. |
Sources (2)
- td.com/us/en/personal-banking/credit-cards/cash-back
- td.com/us/en/personal-banking/credit-cards/low-intro-apr
All captured Oct 7, 2026
TD First Class Visa Signature Credit Card
0% intro APR on balance transfers for the first 12 billing cycles for transfers made within the first 90 days of account opening; then 16.74% variable APR based on creditworthiness. $89 Annual Fee (waived the first year). Earn up to 25,000 bonus miles when you spend $3,000 in your first 6 billing cycles. Must be at least 18 years old and a U.S. resident.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | $89 | Introductory balance transfer APR for the first 12 billing cycles on balance transfers made within the first 90 days of account opening. Annual fee waived the first year. |
| Ongoing | 16.74% | $89 | Standard variable APR after introductory period based on creditworthiness. Annual fee is $89 (waived the first year). |
TD FlexPay Credit Card
0% intro APR on balance transfers for the first 18 billing cycles for transfers made within the first 90 days of account opening; then 17.49% - 27.49% variable APR based on creditworthiness. Late fee forgiveness category refunds first late fee each year. Must be at least 18 years old and a U.S. resident.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 0.00% | None | Introductory balance transfer APR for the first 18 billing cycles for transfers completed within the first 90 days of account opening. |
| Ongoing | 17.49%–27.49% | None | Standard variable APR after introductory period based on creditworthiness. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.