The TD Bank is a personal credit card from TD Bank. Application typically pulls a hard report from Experian or TransUnion (varies). The annual fee is $0. The ongoing APR is 18.49%, 21.49%, 23.49%, 26.49% or 28.49% variable APR based on creditworthiness after a 0% on purchases for the first 12 billing cycles; 0% on balance transfers for the first 15 billing cycles (transfers within the first 90 days of account opening) introductory rate for 12 months. Approval typically requires a credit score of good to excellent or higher. Signup bonus: $200 Cash Back when you spend $1,000 within the first 90 days after account opening. Rewards: 3% and 2% cash back on two chosen Spend Categories (default 3% dining, 2% grocery stores; switchable quarterly), 1% on all other purchases. Cash back: 3% on dining, 2% on grocery stores, 1% on all other purchases.. Typical credit limit: $500 - $10,000. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Great for those who frequently dine out and shop at grocery stores.