The TD Bank, N.A. is a personal credit card from TD Bank, N.A.. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 18.49%, 21.49%, 23.49%, 26.49% or 28.49% variable, based on creditworthiness after a 0% intro APR on purchases for 12 billing cycles; 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 cash back as a statement credit (20,000 bonus points) after $1,500 in purchases within 90 days of account opening. Rewards: Unlimited 2% cash back on eligible purchases, no rotating categories or caps while the account is open and in good standing. Cash back: 2% Cash Back on all eligible purchases. This product reports activity to your personal credit report. Excellent for earning flat-rate cashback while managing debt with a solid intro APR window. TD Cash Credit Card. BT Fee: 3% or $5 minimum during the intro period; rises to 5% thereafter.. Post-intro APR: Variable 19.24%–29.24%.