One of Canada’s largest commercial bank, Toronto-Dominion (TD) Bank offers a suite of credit cards with flexible rewards and cash back features. Cardholders can rack up points, enjoy no annual fee and access some great travel perks.
If you love spending on your credit card, it makes sense to get one that maximizes your reward opportunities. TD has a long list of personal credit cards with generous offers and added medical insurance benefits.
We’ve compiled the best TD credit cards that you can check out. From travel cards to cash back and Platinum cards, you can get information on the best cards offered. Read on to find out more about the features of the TD credit cards, fees and charges associated with the card.
Best TD Credit Cards
TD Bank offers 14 credit cards designed for every type of consumer. These cards let you earn rewards points and charges standard interest rate for purchases and cash advances.
TD Emerald Flex Rate Visa Card
If you’re looking for a low interest rate credit card, the Emerald Flex Rate Visa Card is an excellent card of choice. Interest rate for purchases and cash advances can go as low as 4.50 percent to 12.75 percent. It is suited for individuals who carry card balance monthly.
This credit card also supports Emergency Cash Advances up to $500, subject to availability of credit limit. The minimum credit limit for this card is $1,000 or higher depending on your creditworthiness.
TD Cash Back Visa Card
Using the TD Cash Back Visa Card gives you better cash back rewards for using your credit card. Earn 1 percent for all eligible grocery and gas purchases, plus recurring bill payments. Cardholders can also earn 0.5 percent for all other purchases made using the card.
You can redeem cash back dollars to settle your monthly bill whenever you please. These cash back dollars never expire as long as your account is open and in good standing.
TD First Class Travel Visa Infinite Card
Do you travel frequently? TD First Class Travel Visa Infinite Card gives you more travel perks like no blackouts, no seat restrictions, and extensive travel insurance. When you spend $1,000 for the first three months of account opening, you can earn up to 15,000 TD points.
The points earned can be redeemed for travel-related expenses, retail merchandise, and gift cards. Additionally, you can earn 9 TD points for booking travel online through Expedia website or app.
Fees and Charges
For the Emerald Flex card, you are looking at a $25 annual fee and 4.50% to 12.75% interest for purchases and cash advances.
The Cash Back Visa card has no annual fee but with a higher interest rate for purchases of around 19.99% and 22.99% for cash advances.
For the First Class Travel card, the annual fee is $120 with a purchase interest charge of 19.99% and 22.99% for cash advances.
How to Apply
To qualify as a cardholder, you need to be a permanent resident or temporary resident of Canada for five years or less. Interested applicants can send an application online and provide copies of permanent resident card, confirmation of permanent resident, and temporary permit.
Additionally, applicants need to provide at least two pieces of personal identification including passport, Canadian driver’s license, and a Government of Canada identification card.
TD Bank Contact Information
If you have queries and other concerns, you can reach TD Bank at 1-866-222-3456 or 1-888-561-8861. The bank’s main office is located at Toronto-Dominion Centre, Toronto, Ontario, Canada.
Conclusion
TD Bank offers no-frills credit cards that give cardholders access to infinite promotions and other deals that help improve overall financial health. Make sure to check out the best TD credit cards to get a valuable addition to your wallet.
Disclaimer: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.
