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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 TD Easy Rewards:
Rewards 5x Faster
during Promotional Period
TD Cash Rewards:
More Cash Back
TD First Class:
3x Miles on Travel
and Dining
Annual fee $0 $0 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 cycles after account opening – after that, your variable APR will be 12.99%, 17.99% or 22.99%, based on creditworthiness.* There is a fee for balance transfers. 0% introductory APR on Balance Transfers for the first 12 billing cycles after account opening – after that, 13.24% variable APR. There is a fee for balance transfers.*
Minimum credit line $500 $500 $5,000
Additional cards Free Free Free
Rewards Points:
  • 5x rewards points on eligible purchases for first 6 billing cycles after account opening*
  • 5% cash rewards statement credit on eligible purchases for first 6 billing cycles after account opening*
First Class Miles:
  • Earn 15,000 bonus miles the first time you swipe your card within the first 6 billing cycles, and earn an extra 10,000 bonus First Class miles when you spend $3,000 in the first 6 billing cycles**
  • 3x First Class miles on all eligible dining and travel purchases
  • VIP treatment, savings and perks at over 800 luxury hotels
Redemption options Redeem your points for cash back, 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**
How do I redeem? Visit the TD Rewards page

Call the Rewards Center at
Call us at 1-888-561-8861 Call us at 1-877-GO-TD1ST

Before you call, visit the TD First Class Rewards page to view available merchandise and gift card options

Visa features
Our personal credit cards also have the following Visa features and benefits1:
  • 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 Liability1

Credit card resources

*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. Eligible purchases for earning rewards do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

**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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