Annual fee waived for first year, then $89 each year after that*
APR for balance transfers
0% introductory APR on balance transfers for the first 12 billing statements after account opening – after that, your variable APR will be 9.24% to 23.24%, based on creditworthiness*
0% introductory APR on balance transfers for the first 12 billing statements after account opening – after that, 13.24% variable APR*
Minimum credit line
5x rewards points on eligible purchases for first 6 billing statements after account opening*
Plus, earn 1 point for every $1 spent - everywhere, every time*
5% cash rewards statement credit on eligible purchases for first 6 billing statements after account opening*
Plus, earn 1% for every $1 spent - everywhere, every time*
First Class Miles:
Earn 15,000 bonus miles the first time you swipe your card within the first 6 billing statements, and earn an extra 10,000 bonus First Class miles when you spend $3,000 in the first 6 billing statements**
3x First Class miles on all eligible dining and travel purchases
VIP treatment, savings and perks at over 800 luxury hotels
Redeem your points for a statement credit, merchandise, gift cards or travel rewards once you've earned at least $25
Redeem your cash rewards for a statement credit at any time, once you've earned at least $25
Redeem your miles as statement credits or for merchandise or gift cards**
*See the Terms and Conditions for TD Easy Rewards, TD Cash Rewards and TD First Class for details about APRs, fees, balance transfers, program rules and eligible purchases. Additional TD Bank credit cards may be available - please visit a TD Bank near you for more information.
**For TD First Class credit cards, bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing statements of your credit card account opening date. This offer is non-transferable. Your account must be open and in good standing in order to earn and/or redeem miles. If your account is closed for any reason, your membership in the program will be terminated and the total balance of your accumulated miles will be forfeited. You will also forfeit any unredeemed miles if you cancel your program membership or the program is terminated. First Class miles have no cash value except when redeemed in connection with the First Class Miles program.
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