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
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
CARD DETAILS
- NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
- Special Offer: 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
- Cash back rewards.
- Possibility to choose spend categories.
- No annual fee.
- Cons
- Not available in all states.
REWARDS: Cash Back
Rewards Program
- Special Offer: 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
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
PURCHASES
Intro
NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 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 for first 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. 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 introductory offer. 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
See terms 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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