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Personal Credit Cards – Comparison Chart

3 credit cards. 3 ways to reward yourself.

The choice is yours.
Each credit card comes standard with features to help you better manage your money. Choose the card with the reward that's right for you.

Card Benefits Rewards 5x Faster
More Cash Back
3X Miles on Travel
and Dining
Annual Fee $0 $0 Annual Fee waived for first year, then $89 each year thereafter.
APR for Balance Transfers 0% introductory APR on balance transfers for 12 months 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 12 months after account opening – After that, 13.24% variable APR*.
Minimum Credit Line $500 $500 $5,000
Additional Cards Free Free Free
Rewards Points:
  • 5x rewards points on eligible purchases for first 6 months*
  • Plus, earn 1 point for every $1 spent - everywhere, every time*
  • Purchases made by authorized users earn points, as well.
Cash:
  • 5% cash back on eligible purchases for first 6 months*
  • Plus, earn 1% for every $1 spent - everywhere, every time*
  • Purchases made by authorized users earn cash back, as well.
First Class Miles:
  • Earn 15,000 bonus miles the first time you swipe your card within the first six months, and earn an extra 10,000 bonus First Class miles when you spend $3,000 in the first six months.*
  • 3X First class miles on every dining and travel purchase
  • VIP treatment, savings and perks at over 800 luxury hotels
Redemption Options Redeem your points for cash back, merchandise, gift cards, or travel rewards. 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.
How Do I Redeem? Visit www.tdbank.com/rewards or call the Rewards Center at 1-877-745-5040. Call Customer Service at 1-888-561-8861. Call Customer Service at 1-877-GO-TD1ST (1-877-468-3178). To view available merchandise and gift card options prior to calling, visit www.tdbank.com/firstclassrewards.

Visa Features
Our personal credit cards also have the following Visa features and benefits:
  • The unsurpassed worldwide acceptance of Visa
  • Auto rental collision damage waiver
  • Cardholder inquiry service
  • Emergency card replacement and emergency cash disbursement
  • Lost/stolen card reporting
  • Visa Zero Liability


Credit Card Resources

*See the Terms and Disclosures for details about APRs, fees, balance transfers and eligible purchases.

© 2014 Visa U.S.A. Inc.