The TD Bank, USA, N.A. is a personal credit card from TD Bank, USA, N.A.. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 22.90%–31.15% variable. Approval typically requires a credit score of 690 or higher or higher. Signup bonus: $50 in Target Circle Rewards after spending $50 on qualifying purchases within 60 days of approval (credit card only). Rewards: 5% off Target purchases in store and online at checkout; 5% off at Starbucks and on specialty gift cards. Target Mastercard (approved guests only) also earns 2% on dining and gas and 1% elsewhere outside Target. Cash back: 2% on dining and gas purchases and 1% everywhere else outside of Target. This product reports activity to your personal credit report.