2017 RANKING & REVIEWS
TOP RANKING BEST TD CREDIT CARDS
A TD Credit Card for Every Type of Consumer
Credit companies are flooding consumers with potential choices for a new credit card. Joining with the other credit card companies is TD Bank, offering a nice selection when it comes to their TD credit card choices.
You want to know all there is to know before you commit to a new card, and AdvisoryHQ wants to commend your commitment to financial knowledge. That’s why we’ve compiled this ranking of the best TD credit cards to assist you in uncovering the must-know details.
Award Emblem: Top 5 Best TD Credit Cards
Find out what the perks are for these TD bank credit card options. We’ll review some of the TD credit card rewards and TD travel rewards alongside their rates and annual fees. With all of the information that you need right at your fingertips, deciding on the perfect TD Bank credit card should be a no-brainer.
Keep in mind that the “perfect” credit card will vary from consumer to consumer. You’ll need to evaluate what’s important to you in a new TD Bank credit card before you commit to a specific TD Bank rewards card.
So, if you’re ready to see what this company has to offer, let’s examine the best TD credit cards they have to offer in our TD Bank credit card review!
AdvisoryHQ’s List of the Top 5 Best TD Credit Cards
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- TD Aeroplan™ Visa Signature® Credit Card
- TD Ameritrade Client Rewards Credit Card
- TD Business Solutions Credit Card
- TD Cash Credit Card
- TD First Class Visa® Signature Credit Card
Top 5 Best TD Credit Cards | Brief Comparison & Ranking
Credit Card Names
Type of Rewards
TD Aeroplan™ Visa Signature® Credit Card
Waived for first year, $95 after
TD Ameritrade Client Rewards Credit Card
Cash back rewards
TD Business Solutions Credit Card
Cash back rewards
TD Cash Credit Card
Cash back rewards
TD First Class Visa® Signature Credit Card
Waived for first year, $89 after
Table: Top 5 Best TD Credit Cards | Above list is sorted alphabetically
How Do You Compare Rewards on a TD Bank Credit Card?
A rewards credit card from any credit card company is an appealing option for most consumers. Opportunities present themselves for earning cash back or airline miles on purchases you already planned to make. When you are comparing the various types of rewards program on a TD Bank credit card, what should you be looking for?
There are two primary types of rewards programs available: travel rewards and cash back rewards.
- TD Travel Rewards: With TD travel rewards, you have the ability to earn a specific number of airline miles per dollar spent on your everyday purchases. These numbers may change depending on the spending category and the specific TD travel rewards program. These types of TD credit card rewards are ideal for individuals who travel often or take several vacations each year.
- TD Cash Back Rewards: Cash back rewards allow you to earn a specific percentage of money back based on your spending. These rewards can be issued either in the form of direct deposits, purchasing merchandise or experiences, or in the form of statement credits. The differences will depend on the specific program available to you.
In some instances, you may find a TD Bank credit card that allows you to spend those points flexibly. For example, you may have a TD travel rewards card but have the ability to cash in your miles for merchandise or a statement credit instead. Similarly, a cash back rewards card may allow you to purchase travel accommodations.
Consider the rate at which you are able to earn various TD Bank credit card rewards, whether it is a cash back rewards system or travel rewards. If the TD Bank credit card rewards program offers additional points or cash back for certain spending categories, evaluate how often you use those categories. Will you be able to accumulate points as quickly as you could with a different card that has a higher base rate but fewer categories?
There are infinite variations when it comes to rewards programs, both for the best TD credit cards and for those issued by other companies. We’ll help you to make heads or tails of the TD rewards card choices available in the sections below.
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AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best TD Credit Cards
Below, please find the detailed review of each credit card on our list of best TD Bank credit card options. We have highlighted some of the factors that allowed these TD Bank credit card choices to score so highly in our selection ranking.
TD Aeroplan™ Visa Signature® Credit Card Review
Consumers who want a top card for TD rewards travel will want to consider the TD Aeroplan™ Visa Signature® Credit Card. This TD Bank rewards credit card features generous rewards and bonuses along with low annual fees.
Source: TD Bank – Aeroplan
The TD Aeroplan™ Visa Signature® Credit Card is a great option for frequent flyers who prefer the Air Canada airlines. On all purchases, you can expect to receive at least 1 Aeroplan mile per dollar spent. However, consumers who purchase through Air Canada can score double the points on all of those specific purchases.
You’ll also be rewarded with a large incentive for TD travel rewards. When you spend your first $1,000 over the course of your first three months, you’re rewarded with 25,000 bonus Aeroplan miles.
Fortunately, the TD travel rewards with this TD Aeroplan™ Visa Signature® Credit Card are relatively flexible. While you do earn extra points for purchases made through Air Canada, you also have the ability to redeem miles for things other than travel. You can cash them in for travel, entertainment, merchandise, or gift cards.
The only qualification for redemption of your Aeroplan™ miles is to keep your account open and in good standing. Miles will never expire as long as you maintain these two features, and you can earn unlimited rewards on one of the best TD credit cards.
Rates and Fees
This TD rewards travel card offers a range of interest rates based on your creditworthiness. You’ll be considered for an interest rate of 14.24%, 19.24%, or 23.24% APR on purchases and balance transfers. There are no introductory interest rate offers on the TD Aeroplan™ Visa Signature® Credit Card.
Fortunately, they do offer a discount to new members on the annual fee. For your first year, this TD rewards travel card comes with no annual fee. When it resumes in the second year, you will be looking at a $95 annual bill.
TD Ameritrade Client Rewards Credit Card Review
This TD Ameritrade Client Rewards Credit Card hands out generous TD credit card rewards based on your spending and even gives out opportunities for bonuses. You’ll love the extra cash back, the low rates, and no annual fees.
This TD Bank rewards credit card is accompanied by a rather large cash back incentive to complement all of the purchases you already make. Many of the top rewards programs will award 1% cash back on all purchases, but the TD Ameritrade Client Rewards Credit Card rewards 1.5% cash back instead.
You can earn unlimited points on this TD Bank rewards credit card with no expiration date. Points remain valid as long as the account is open and considered to be in good standing. Cash back rewards on this TD Bank credit card can be redeemed for cash, gift cards, statement credit, or merchandise.
You can even increase the amount that you earn by taking advantage of their bonus offer. Whenever you choose to deposit your rewards into a TD Ameritrade brokerage account, you receive a 10% bonus.
Consumers who spend at least $500 within the first 90 days after the account opens are eligible for a 10,000 point bonus (equal to $100 cash back). This limited time offer will expire on December 31, 2016.
Rates and Fees
The TD Ameritrade Client Rewards Credit Card may be one of the best TD credit cards, but what will it cost you to keep up with it? Their interest rates are relatively low, even compared to other TD rewards credit card choices. They will vary from 13.24%, 18.24%, and 23.24% APR based on your creditworthiness.
The same interest rates will hold true for both new purchases and balance transfers.
Many customers who are searching for the best TD credit cards prefer this TD Ameritrade Client Rewards Credit Card because it comes with no annual fee. You get to earn cash back rewards without any cost to you (other than the interest you accrue on balances).
TD Business Solutions Credit Card Review
This TD Bank business credit card grants small business owners an opportunity to earn cash back conveniently for their company. The TD Business Solutions Credit Card comes with great introductory rates and a cash back rewards program.
Source: TD Bank – Business Solutions
The TD Bank business credit card offered through the TD Business Solutions Credit Card has a fairly straightforward and simple rewards program. You earn one point per dollar spent on any and every purchase made on your TD business credit card. There are no limits on how many points you can earn.
Points will never expire as long as your account remains open and in good standing. The TD Business Solutions Credit Card allows you to redeem points for any type of cash, gift card, travel, or merchandise with over 400 options to choose from. It’s a great way to reward employees for hard work to offset the costs of running a business.
Business owners can review the activity on their TD Bank business credit card through the online account access feature. It allows you to view:
- Account balances
- Payments due
- Transaction history
You can keep close tabs on the spending and financial picture of your small business by taking advantage of the access you have via the TD Business Solutions Credit Card.
Rates and Fees
One of the primary draws of the TD Business Solutions Credit Card is the introductory offer for balance transfers. For the first twelve months, balance transfers on your TD business credit card will have a 0% introductory APR. Bear in mind that the balance transfer fee of 4% (minimum $10) will still apply as you make the transition to this TD Bank credit card.
When the introductory period ends, you will find interest rates on this TD business credit card ranging from 13.24%, 18.24%, and 23.24% APR based on your creditworthiness. These rates will apply to both new purchases and balance transfers.
Even better, the TD Business Solutions Credit Card has no annual fee. The savings offered on this TD business credit card is another great way to put your business a few steps ahead.
TD Cash Credit Card Review
Do you love going out to eat and earning cash back for it? If so, then the TD Cash Credit Card is likely to be your top pick with high-value cash back and no annual fee.
This TD rewards card gives you cash back on every purchase you make with a relatively low value in comparison to some of the other best TD credit cards. For every dollar you spend, you earn 1% cash back without limit and regardless of where your money was spent.
For individuals who love to go out to eat, whether that means your local coffee shop or a five-star restaurant, you earn an additional percentage point when it comes to cash back. Instead of 1% on all your purchases, dining expenses are rewarded at a 2% cash back rate.
This TD rewards card gives you cash back without limit with lots of redemption possibilities. You can select from cash, gift cards, travel, and merchandise through their redemption center. In order to redeem points, your account must remain open and in good standing.
In addition to the rewards already offered, this TD Bank credit card also has a 15,000 point bonus when you spend $500 within the first 90 days of opening your account. Your bonus is equivalent to being handed $150 just for shopping with your new TD Bank credit card.
Rates and Fees
The interest rates on the TD Cash Credit Card are closely in line with the other best TD credit cards included in our TD Bank credit card review. Depending on your creditworthiness, your account will be assigned an APR of 13.24%, 18.24%, or 23.24% on both purchases and balance transfers.
However, you also receive an introductory offer of 0% APR on balance transfers for the first twelve months. Keep in mind that the TD Cash Credit Card does have a higher balance transfer fee at 5% or $10 minimum.
TD First Class Visa® Signature Credit Card Review
Individuals who travel frequently will be able to accumulate points rather quickly with this TD First Class Visa® Signature Credit Card.
Source: TD Bank –First Class
Frequent fliers are going to love racking up the points on the liberal TD travel rewards offered with the TD First Class Visa® Signature Credit Card. Cardholders automatically earn 1 mile per dollar on all purchases in unlimited quantities. It doesn’t matter where you shop or what you purchase to qualify for this base rate.
You receive triple the First Class miles when you spend money on travel and dining purchases. Those purchases can fit into any of these categories:
- Hotel accommodations
- Car rentals
- Fast food
- Fine dining restaurants
You get a quick jump on earning your TD travel rewards when you spend $3,000 over the course of your first six months with this TD Bank credit card. You will be credited with 25,000 bonus miles (a $250 statement credit toward travel or dining).
Unlike some of the other TD travel rewards on various TD Bank credit card options, the TD First Class Visa® Signature Credit Card only allows you to redeem points for a statement credit toward travel and dining purchases. Redemption can only occur on open accounts in good standing.
Rates and Fees
The interest rates associated with the TD First Class Visa® Signature Credit Card are incredibly low compared to some of the other best TD credit cards. You’ll find a great introductory offer of 0% APR for the first twelve months your account is open. Balance transfer fees are low on this TD credit card at 3% ($10 minimum).
Afterwards, your interest rate on purchases and balance transfers will resume at just 13.49% APR.
Unfortunately, you do face an annual fee starting on your second year. The annual fee for the TD First Class Visa® Signature Credit Card comes in at $89 per year.
Conclusion—Top 5 Best TD Credit Cards
Now that you have a clearer glimpse at the available selections when it comes to TD Bank credit card rewards, it’s time to make a choice. Which of these best TD credit cards is going to be the perfect fit for you?
Keep in mind that understanding the rates and fees is just as important as considering the TD travel rewards or cash back programs. In fact, it might be even more critical to understand these costs prior to opening an available line of credit. After all, the rates and fees signify money coming out of your account while the rewards programs are only bonuses.
We want you to have all the information you need to be equipped to make healthy financial decisions. In our clear TD Bank credit card review, we hope that you were able to see all of the right information in the right place. We compiled all of the data, but the rest is up to you.
Which of these best TD credit cards is your top pick for your new card?
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.