Choose your own 3% and 2% categories, with no annual fee and a long 0% balance transfer offer.
Rates, fees and offers
- Regular APR
- 18.49%–28.49% variable
- Annual fee
- $0
- Promo offers
- 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles.
- Balance transfer fee
- See issuer terms
- Rewards
- 3% cash back in one category you choose, 2% in another, 1% everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
You can change your categories, so pick the ones where you spend most.
Paying and contacting TD Bank
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
See all TD Bank cards → · Search all cards
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