The TD Bank is a personal credit card from TD Bank. Application typically pulls a hard report from Experian. The annual fee is $89 (waived for the first year). The ongoing APR is 16.74% variable for purchases and balance transfers (Prime + 9.99%; terms dated April 2026) after a 0% intro APR on balance transfers for the first 12 billing cycles (balance transfers made within the first 90 days of account opening); no intro APR on purchases introductory rate. Rewards: 3 miles per $1 on travel and dining purchases; 1 mile per $1 on all other purchases. Loan terms: Revolving; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date.