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Best TD Bank Store and Retail Credit Cards of May 2025

Compare 8 TD Bank credit cards on Myfin.us.

TD Bank
4.39
By Hanna Volkava
Updated May 01, 2025
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Best Credit Cards in May 2025

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TD Bank Target Circle™️ best for Groceries

TD Bank Target Circle™️

Target Circle™️ TD Bank
Annual fee:
$0
Regular APR:
28.95% Variable
Our Rating:
2.37
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Cash Back on purchases at Target and Target.com.
  • Issuer name:
    TD Bank
  • Details:

    For those who shop for everything at Target — food, clothes, household essentials — the perks on the Target Circle™️ Card hit the bull's-eye.

    The $0-annual-fee card gets you a 5% discount on all purchases, which means you don’t have to wait to redeem rewards; you’ll get savings right at checkout.

    Because the Target Circle™️ Card carries high ongoing interest rates, it’s not a good fit for folks who are planning to spend time, well, in the red. But for those who pay their bills in full every month and are looking for some extra savings, it’s worth getting.

  • Pros:
    • High discount on Purchase of eligible items
    • Two-day free shipping on selected items
    • Extended time for returns and exchanges
    • 5% discount at several other places
  • Cons:
    • Limited acceptance
    • High APR
    • Certain products are excluded from discount
    • High Penalty Fees
  • Benefits:
    • 5% REDcard™ discount program rules;
    • REDcard™ extended returns program rules;
    • $50 off for new RedCard holders;
    • 0% discount coupon each year on your card anniversary.
View all Target Circle™️ details
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Card detail

TD Bank Nordstrom Visa®

Nordstrom Visa TD Bank
Annual fee:
$0
Regular APR:
24.15% - 31.15% Variable
Our Rating:
2.71
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3x Points per dollar spent at Nordstrom (Nordstrom, Nordstrom Rack, Hautelook, Nordstrom Trunk club).
    • 1x Point per dollar everywhere else Visa® credit cards are accepted.
  • Intro Offer:
    • $40 Bonus note which you can spend at Nordstrom the day you are approved.
  • Issuer name:
    TD Bank
  • Details:

    Nordstrom Visa® Credit Card is ideal for Nordstrom customers. The card doesn't have an annual fee and foreign transaction fee.

    The card's APR: 24.15% - 31.15% (Variable).

    You’ll unlock a $40 Bonus Note when you apply for this credit card, get approved and shop at Nordstrom or one of its brands on the same day.

    For every dollar you spend at Nordstrom or its brands (Nordstrom.com, Nordstrom Rack, HauteLook and the Nordstrom Trunk Club), you earn 3 points, regardless of whether you prefer to shop online or in person. For all other purchases, you’ll earn 1 point per dollar spent.

    For every 2,000 points, you'll get a $20 Nordstrom Note.

  • Pros:
    • No annual fee
    • No foreign transaction fees
    • Special rewards for registered club members
    • Quick approval process
    • $40 sign-up bonus
  • Cons:
    • Extremely weak bonuses
    • High APR
  • Benefits:
    • A $40 welcome bonus;
    • A $100 alterations credit;
    • Automatic Insider status (normally requires $500 in purchases);
    • 24/7 Customer Service.
View all Nordstrom Visa® details
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Card detail

TD Bank TD Cash℠ Secured

TD Bank TD Cash℠ Secured
Annual fee:
$29 annually
Regular APR:
27.24% Variable
Our Rating:
2.61
scorer
Credit score
No Credit History to Poor (0-579)
  • Rewards Rate:
    • 1% Cash Back on all eligible purchases.
  • Balance Transfer APR:
    27.24% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Cash℠ Secured Credit Card is a card for rebuilding your credit score.

    The TD Cash℠ Secured Card comes with 1% Cash Back on all purchases with no caps and no limits.

    The minimum credit limit for the Credit Card Account is $300 ($5,000 max).

    The APR for both purchases and balance transfers is 27.24% (Variable). The APR for cash advances is 29.49% (Variable).

    The TD Cash℠ Secured Card has an annual fee of $29.

  • Pros:
    • Cash Back on all eligible purchases
    • Graduate to an unsecured card
  • Cons:
    • Annual Fee
    • Foreign Transaction Fee
    • No welcome bonus
    • Extra Fees
  • Benefits:
    • 1% Cash Back on all eligible purchases;
    • Build or repair your credit and earn Cash Back on all eligible purchases;
    • Fraud Protection.
View all TD Cash℠ Secured details
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Card detail

TD Bank TD Double Up℠

TD Bank TD Double Up℠
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
4.44
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Earn up to 2% Cash Back (1% Cash Back on purchases, plus 1% Cash Back when you redeem into an eligible TD Bank Deposit Account).
  • Intro Offer:
    • $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Double Up℠ Credit Card offers $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. Earn up to 2% Cash Back on all other purchases (1% Cash Back on purchases, plus 1% Cash Back when you redeem into an eligible TD Bank Deposit Account).

    The TD Double Up℠ Card offers an introductory 0% APR on balance transfers for 15 billing cycles, followed by a variable APR of 19.24% - 29.24%. The card has no annual fee.

  • Pros:
    • No Annual Fee
    • Intro ARP period on balance transfers
  • Cons:
    • Foreign Transaction Fee
    • No Intro APR period on purchases
  • Benefits:
    • $200 Cash Back (in the form of a statement credit when you spend $1,500 within the first 90 days);
    • Up to 2% Cash Back on all purchases;
    • Digital Wallet;
    • Visa Zero Liability;
    • Instant credit card replacement.
View all TD Double Up℠ details
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Card detail

TD Bank Business Solutions

TD Bank Business Solutions
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
3.65
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1% Cash Back on purchases.
  • Intro Offer:
    • 250% Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 billing cycles after Account opening
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Bank Business Solutions Credit Card earns 1% Cash Back on purchases. Plus, earn 1% Cash Back when you redeem into an eligible TD Bank Deposit Account. Earn $250 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.

    The TD Bank Business Solutions Card doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $250 Cash Back in the form of a statement credit (when you spend $1,500 within the first 90 days);
    • 1% Cash Back on purchases;
    • 1% Cash Back when you redeem into an eligible TD Bank Deposit Account.
View all Business Solutions details
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Card detail

TD Bank Cash℠

TD Bank Cash℠
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
5
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining (including takeout and delivery).
    • 2% Cash Back at grocery stores.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $200 Cash Back when you spend $1,000 within 90 days after account opening.
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    TD Bank
  • Details:

    The TD Bank Cash℠ Credit Card earns a $200 Cash Back when you spend $1,000 within 90 days after account opening.

    The Card offers 3% Cash Back on dining (including takeout and delivery), 2% Cash Back at grocery stores and 1% Cash Back on other purchases.

    The Cash℠ Card doesn't charge an annual fee. The Card has a 0% introductory APR period for the first 15 billing cycles on balance transfers. After that, your APR will be from 19.24% to 29.24% Variable.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $200 Cash Back (when you spend $1,000 within 90 days after account opening);
    • 3% Cash Back on dining (including takeout and delivery);
    • 2% Cash Back at grocery stores;
    • 1% Cash Back on other purchases;
    • Visa Zero Liability;
    • Digital Wallet.
View all Cash℠ details
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Card detail

TD Bank First Class℠ Visa Signature®

TD Bank First Class℠ Visa Signature®
Annual fee:
$0 for the first year
$89 thereafter
Regular APR:
17.49% Variable
Our Rating:
4.25
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining.
    • 1x First Class miles on all other purchases.
  • Intro Offer:
    • 25,000x Bonus miles (equals a $250 statement credit) when you spend $3,000 within the first 6 billing cycles.
  • Balance Transfer APR:
    17.49% Variable
  • Issuer name:
    TD Bank
  • Details:

    The First Class℠ Visa Signature® Credit Card earns 25,000 bonus miles (when you spend $3,000 within the first 6 billing cycles). The Card offers 3x First Class miles on travel and dining purchases (including flights, hotels, car rentals, cruises and dining) and 1x First Class miles on all other purchases.

    The First Class℠ Visa Signature® has a $0 annual fee for the first year. After that the annual fee will be $89.

    The Card has a 0% Intro APR period on balance transfers for the first 12 billing cycles, 17.49% Variable thereafter.

  • Pros:
    • Intro APR period on balance transfers
    • No Foreign Transaction Fee
  • Cons:
    • No Intro APR period on purchases
  • Benefits:
    • 25,000 bonus miles (when you spend $3,000 within the first 6 billing cycles);
    • 3x First Class miles on travel and dining purchases (including flights, hotels, car rentals, cruises and dining);
    • 1x First Class miles on all other purchases;
    • Visa Zero Liability;
    • Digital Wallet;
    • Visa concierge;
    • Roadside Dispatch®;
    • Travel and emergency assistance services;
    • Lost luggage reimbursement.
View all First Class℠ Visa Signature® details
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Card detail

TD Bank Aeroplan® Visa Infinite

TD Aeroplan® Visa Infinite
Annual fee:
$0 for the first year
$139 thereafter
Regular APR:
20.99%
Our Rating:
3.33
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5x Points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
    • 1x Point for every $1 spent on all other Purchases made with your Card.
  • Intro Offer:
    • 25,000x Aeroplan points when you spend $5,000 within 180 days of Account opening.
    • 15,000x Aeroplan points when you spend $7,500 within 12 months of Account opening.
    • 10,000x Aeroplan points when you make your first purchase with your new card.
  • Issuer name:
    TD Bank
  • Details:

    The TD Bank Aeroplan® Visa Infinite Credit Card has a generous welcome offer.

    Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.

    Earn 25,000 Aeroplan points when you spend $5,000 within 180 days of Account opening.

    Plus, earn an additional 15,000 Aeroplan points when you spend $7,500 within 12 months of Account opening.

    The Card offers 1.5x points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) and 1x point for every $1 spent on all other purchases.

    Plus, get an annual fee rebate for the first year ($139 thereafter). The APR for purchases is 20.99%.

  • Pros:
    • Travel benefits
    • Generous welcome offer
  • Cons:
    • No Intro APR period
    • Annual Fee
  • Benefits:
    • 25,000x Aeroplan points when you spend $5,000 within 180 days of Account opening;
    • 15,000x Aeroplan points when you spend $7,500 within 12 months of Account opening;
    • 10,000x Aeroplan points when you make your first purchase with your new card;
    • 1.5x points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card;
    • 1x point for every $1 spent on all other Purchases made with your Card;
    • 50% more Aeroplan points at Starbucks;
    • Travel Medical Insurance;
    • Trip Cancellation/Trip Interruption Insurance;
    • Flight/Trip Delay Insurance;
    • Auto Rental Collision / Loss Damage Insurance;
    • Emergency Travel Assistance Services.
View all Aeroplan® Visa Infinite details
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Card detail

TD Bank credit cards pros and cons

Pros

  • Variety of card options. TD offers credit cards for most needs, including personal, business, travel, or credit building.
  • Welcome bonus. A majority of credit cards offer a signup bonus.
  • No annual fee. Most cards don’t charge an annual fee.

Cons

  • Lack of transparency. TD doesn’t state the minimum credit requirements. However, you can reasonably assume that your credit score needs to be at least good for most cards.

How to Choose the Right TD Bank Credit Card?

Sometimes, choosing the right credit card from a specific credit card company can be challenging. Considering TD Bank, there are three steps that will help you.

First and foremost, you should figure out your credit score. It will be from "Poor” to “Excellent”, and the higher your credit score is, the better TD Bank credit card offers and terms are available to you.

Then, you have to identify why you need a TD Bank credit card and determine the most crucial aspects your potential credit card must have. If you search for a credit card to increase your credit score, look for those with long grace period and no annual fee. If you want to save money on interest, TD Bank credit cards with the smallest interest and long intro offer are your option. In case you are looking for a credit card that will provide you cash rewards, check the rewards program the TD Bank offers.

Finally, try tocompare the TD Bank offers you think are the best for you, but considering all the aspects. Overall, an ideal credit card meet the following characteristics: near-zero interest rate, no fees, extended credit limit, the finance charge calculations include one billing cycle only, and large rewards and sign-up bonuses. You can easily compare TD Bank credit cards in the table below.

Side-by-Side Comparison of TD Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
Target Circle™️ 28.95% Variable $0
  • 5% Cash Back on purchases at Target and Target.com.
  • No current offer.
    • Nordstrom Visa® 24.15% - 31.15% Variable $0
  • 3x Points per dollar spent at Nordstrom (Nordstrom, Nordstrom Rack, Hautelook, Nordstrom Trunk club).
  • 1x Point per dollar everywhere else Visa® credit cards are accepted.
  • $40 Bonus note which you can spend at Nordstrom the day you are approved.
    • TD Cash℠ Secured 27.24% Variable $29
  • 1% Cash Back on all eligible purchases.
  • No current offer.
    • TD Double Up℠ 19.24% - 29.24% Variable $0
  • 2% Earn up to 2% Cash Back (1% Cash Back on purchases, plus 1% Cash Back when you redeem into an eligible TD Bank Deposit Account).
  • $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
    • Business Solutions 18.24% - 28.24% Variable $0
  • 1% Cash Back on purchases.
  • 250% Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
    • Cash℠ 19.24% - 29.24% Variable $0
  • 3% Cash Back on dining (including takeout and delivery).
  • 2% Cash Back at grocery stores.
  • 1% Cash Back on other purchases.
  • $200 Cash Back when you spend $1,000 within 90 days after account opening.
    • First Class℠ Visa Signature® 17.49% Variable $89
  • 3x First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining.
  • 1x First Class miles on all other purchases.
  • 25,000x Bonus miles (equals a $250 statement credit) when you spend $3,000 within the first 6 billing cycles.
    • Aeroplan® Visa Infinite 20.99% $139
  • 1.5x Points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
  • 1x Point for every $1 spent on all other Purchases made with your Card.
  • 25,000x Aeroplan points when you spend $5,000 within 180 days of Account opening.
  • 15,000x Aeroplan points when you spend $7,500 within 12 months of Account opening.
  • 10,000x Aeroplan points when you make your first purchase with your new card.

    • Conclusion

    Today, TD Bank has a wide range of credit cards with various features, yet it’s better to find the best one for you.

    FAQ

    What stores use TD Retail Card Services?

    TD Bank issues a number of store cards such as Target and Nordstrom.
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us

    Credit cards in other banks