This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT. See offers for your state
Card
Visa®
Network
Visa®
Bank
TD Bank, N.A.
Issuing
United States
Country
United States
User
Consumer
Category
Consumer
Card
Unsecured
Type
Unsecured
Credit
Excellent / Good
Recommended
Excellent / Good
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT. See offers for your state
This offer is only available in CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT. See offers for your state
MAIN CARD FEATURE
Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
CARD DETAILS
- Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
- Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
- Switch spend categories up to four times a year.
- No annual fee
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card.
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
- *Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.
+ Pros
- Intro APR on balance transfers and purchases.
- Cash back rewards.
- Possibility to choose spend categories.
- No annual fee.
- Cons
- Not available in all states.
REWARDS: Cash Back
Rewards Program
- Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other eligible purchases.
Rewards Bonus
Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Bonus Cash Back: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
PURCHASES
Intro
0% introductory APR on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. APR
Penalty
None APR
Minimum Grace
See terms Period
Minimum Interest
$1 Charge
BALANCE TRANSFERS
Intro
0% introductory APR on balance transfers for 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening. APR
Ongoing
18.49%, 23.49% or 28.49% variable APR based on your credit worthiness. APR
Balance Transfer
Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. Fee
Penalty
None APR
Minimum Grace
See terms Period
CASH ADVANCE
Intro
None APR
Ongoing
28.74% variable APR APR
Cash Advance
$10 or 5% of advance whichever amount is greater. Fee
Penalty
None APR
Minimum Grace
See terms Period
GENERAL FEES
Application Processing
See terms Fee
Annual
None Fee
Foreign Transaction
3% of each transaction in U.S. dollars Fee
Late Payment
Up to $40 Fee
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