• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
CardResearch

CardResearch

Independent Credit Card Research

  • Credit Quality
    • Best Credit Cards For No Credit
    • Best Credit Cards For Bad Credit
    • Best Credit Cards For Fair Credit
    • Best Credit Cards For Good Credit
    • Best Credit Cards For Excellent Credit
  • Card Issuer
    • Card Network
      • Best American Express Credit Cards
      • Best Mastercard Credit Cards
      • Best Visa Credit Cards
    • Global Bank
      • Best Bank of America Credit Cards
      • Best Barclays Credit Cards
      • Best Capital One Credit Cards
      • Best Chase Credit Cards
      • Best HSBC Credit Cards
      • Best KeyBank Credit Cards
      • Best PNC Credit Cards
      • Best SunTrust Credit Cards
      • Best Synchrony Bank Credit Cards
      • Best TD Bank Credit Cards
      • Best UBS Credit Cards
      • Best U.S. Bank Credit Cards
      • Best Wells Fargo Credit Cards
    • National Bank
      • Best Banco Popular de Puerto Rico Cards
      • Best Bank of Missouri Cards
      • Best Bank of the West Cards
      • Best Celtic Bank Cards
      • Best Credit One Cards
      • Best Fifth Third Bank Cards
      • Best First Progress Credit Cards
      • Best Green Dot Credit Cards
      • Best USAA Credit Cards
      • Best Sallie Mae Credit Cards
      • Best WebBank Credit Cards
      • Best Merrick Bank Credit Cards
    • Airline
      • Best Alaska Airlines Credit Cards
      • Best American Airlines Credit Cards
      • Best Asiana Airlines Credit Cards
      • Best Avianca Airlines Credit Cards
      • Best Delta Airlines Credit Cards
      • Best Hawaiian Airlines Credit Cards
      • Best JetBlue Credit Cards
      • Best Korean Air Credit Cards
      • Best LATAM Credit Cards
      • Best Southwest Airlines Credit Cards
      • Best Southwest Airlines Business Credit Cards
      • Best United Airlines Credit Cards
    • Hotel
      • Best Hilton Credit Cards
      • Best IHG Hotels & Resorts Credit Cards
      • Best Marriott Credit Cards
      • Best Radisson Credit Cards
      • Best Wyndham Hotels and Resorts Credit Cards
    • Credit Union
      • Best Navy Federal Credit Cards
      • Best PenFed Credit Cards
    • Regional Bank
      • Best BB&T Credit Cards
  • Card Category
    • Everyday Expenses
      • Best No Annual Fee Credit Cards
      • Best Cash Back Credit Cards
      • Best Gas Credit Cards
      • Best Credit Cards For Paying Bills
      • Best Credit Cards To Pay Cell Phone Bill
      • Best Store Credit Cards
      • Best Credit Cards For Groceries
      • Best Credit Cards To Use At Costco
      • Best Credit Cards For Entertainment
      • Best Credit Cards For Restaurants
      • Best Credit Cards For Mobile Wallet Use
      • Best Credit Cards For Online Shopping
    • Special Occasions
      • Best Credit Cards For Black Friday
      • Best Credit Cards For Christmas
      • Best Credit Cards For Weddings
      • Best Disney Credit Cards
      • Best Sports Credit Cards
      • Coolest Credit Cards
    • Travel
      • Best No Foreign Transaction Fee Credit Cards
      • Best Credit Cards To Book Flights
      • Best Travel Credit Cards
      • Best Travel Credit Cards With No Annual Fee
      • Best Star Alliance Credit Cards
      • Best OneWorld Alliance Credit Cards
      • Best Credit Cards For Consultants
      • Best Hotel Credit Cards
      • Best Credit Cards For Trains
      • Best Credit Cards For Cruises
    • Premium
      • Best Credit Cards For High Spenders
      • Best Premium Credit Cards
      • Most Exclusive Credit Cards
      • 6 Valuable Metal Credit Cards You Should Apply For In 2020
      • Best Priority Pass Credit Cards
      • Best Credit Cards For Global Entry
      • Best Credit Cards With Lounge Access
      • Best Visa Infinite Credit Cards
    • Benefits
      • Best Credit Cards For Cell Phone Insurance
      • Best Credit Cards For Price Protection
      • Best Credit Cards For Rental Car Insurance
      • Best Purchase Protection Credit Cards
      • Best Credit Cards For Extended Warranties
      • Best Credit Cards For Roadside Assistance
      • Best Credit Cards For Travel Insurance
      • Best Credit Cards For Emergencies
    • Business
      • Best Self Employed Credit Card
      • Best Small Business Credit Cards
      • Best Corporate Credit Cards
      • Best Business Credit Cards
      • Best Business Balance Transfer Cards
      • Best Business Credit Cards Without A Personal Guarantee
      • Best Secured Business Credit Cards
      • Best Credit Cards For Nonprofits
      • Best Credit Cards For Shipping
      • Best Credit Cards For Advertising
      • Best Charge Cards
    • Credit Building
      • Best Pre-Qualified and Pre-Approved Credit Cards
      • Best Credit Cards Without A SSN
      • Easiest Credit Cards To Get Approved For
      • Best Credit Cards After Bankruptcy
      • Best Credit Cards For Low Income Earners
      • Best First Credit Cards
      • Best Credit Cards For Young Adults
      • Best Secured Credit Cards
      • Best Credit Cards For College Graduates
    • Debt Payoff and Purchase Financing
      • Best No Interest Credit Cards
      • Best Balance Transfer Credit Cards
      • Best No Fee Balance Transfer Credit Cards
    • Special Qualifications
      • Best Credit Union Credit Cards
      • Best Military Credit Cards
      • Best Student Credit Cards
      • Best Credit Cards For International Students
  • Best Credit Cards for 2021
Ad Disclosure

Best TD Bank Credit Cards

TD First Class Visa Signature Review

TD-First-Class-Visa-Signature-Credit-Card

Rating: 5 Stars

Bottom Line:
Simple Cash Back on Travel and Dining

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.99 (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):0% for 12 billing cycles
Rewards Rate:3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining

1X First Class miles on all other purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:$89
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles
  • 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining
  • 1X First Class miles on all other purchases – miles never expire as long as your account is open and in good standing
  • 25,000 bonus miles equals a $250 statement credit towards travel or dining purchases

Is TD First Class Visa Signature worth it?

TD First Class Visa Signature is a great card for people who want to get simple cash back rewards for their travel purchases. Cardholders earn 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining and 1X First Class miles on all other purchases.

On sign up, you get 25,000 bonus miles, equal to a $250 statement credit towards travel or dining purchases. Each Mile is worth at least one cent when redeemed for Cash Back, gift cards or travel. However, there is not a travel portal or opportunity to redeem miles for great deals on trips. Miles can be redeemed once you have already booked a trip elsewhere, which gives you a lot of flexibility.

For cash back, the redemption is exactly one cent. With this in mind, you would need to earn $89 x 100 = 8900 Miles to make up for the $89 annual fee. That’s 8900 Miles / 3 = $2967 in purchases earned on the 3X Mile reward tier of travel and dining purchases.

For example, that could be 12 months of $150/month dining expenses, plus two $500 round trip tickets across the country plus two 1-day $90 car rentals for $1800 + $1000 + $180 = $2980. If you think you’ll spend more at grocery stores than on travel, consider TD Cash, which earns 2% cash back at grocery stores.

TD First Class Visa Signature only earns 1X Miles on grocery stores, which convert to 1% cash back. If you won’t be traveling much and especially if you spend more on shopping, also consider the value you could get with a non-TD cash back card, like Chase Freedom or Discover it Cash Back.

With either of these cards you get 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases. Chase Freedom has a department store category while Discover it Cash Back has an online retailer category specifically for Amazon.com, Target, and Walmart.com.

It’s not easy to hit the maximum $1500 each quarter in the 5% cash back category, especially when it’s gas, but if you spent just half the maximum each quarter you would earn .05 x $750 x 4 = $150. Keep in mind those cards have no annual fee.

Considering all the options, if you travel and dine out relatively often and want simple cash back for your purchases, TD First Class Visa Signature is a solid card for you.

Pros

  • 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining
  • Miles don’t expire
  • Visa Signature benefits
  • Low APR

Cons

  • No travel portal. To redeem miles to cover a trip, you book the trip with your card and then contact TD Rewards Center to redeem miles to cover the cost
  • Miles can only be redeemed for full 1 cent statement credit after you’ve accumulated 25,000 miles, otherwise they can be redeemed for one half cent per Mile

Why 5 Stars?

Regular APR


5 Stars

Intro APR


5 Stars

Fees


4 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with TD First Class Visa Signature

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards For Good Credit, Best Credit Cards For Restaurants, Best Credit Cards To Book Flights, Best TD Bank Credit Cards, Best Travel Credit Cards

TD Cash Credit Card Review

TD Cash Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back on Dining and Groceries

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:14.74, 19.74, or 24.74 (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):0% for 12 billing cycles
Rewards Rate:3% Cash Back on dining

2% at grocery stores

1% on all other eligible purchases
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • Earn $200 Cash Back when you spend $500 within 90 days after account opening
  • Earn 3% Cash Back on dining – from casual to fine dining and everything in between
  • Earn 2% Cash Back at grocery stores
  • 1% Cash Back on all other eligible purchases

Is TD Cash Credit Card worth it?

TD Cash Credit Card is a great card for paying off debt and getting cash back. The 0% intro period is 12 billing cycles. Keep in mind it can take 2 to 4 weeks to process a balance transfer request, during which your balance will still be accumulating interest payable to its current bank.

TD Cash has a 3% balance transfer fee, which is an average fee for most cards. By comparison, the Chase Slate has no balance transfer fee for transfers in the first 60 days, but on the other hand it doesn?t offer any rewards or signup bonus.

Cardholders earn 3% Cash Back on dining, from casual to fine dining and everything in between, 2% at grocery stores, and 1% on all other eligible purchases. The example TD gives on their website exemplifies the cash back rate perfectly: it you spend $2000 a month, that’s $500 on dining, $500 on grocery stores, and $1,000 on all other eligible purchases you would earn 0.03 x 12 x 500 = $180 for dining, 0.02 x 12 x 500 = $120 for grocery stores and 0.01 x 12 x 1000 = $120 on all other spending. That’s $420 in cash back.

Add the $200 signup bonus and you are up to $620. This is an excellent cash back offer. If you’re really on the fence though, consider this: if you got the Citi Double Cash with unlimited 2% cash back, you’d get $480 in value the first year. That?s less than $620 from TD Cash. After the signup bonus no longer plays a part though, Citi Double Cash would in fact be more valuable because $480 is more than TD Cash?s $420 in cash back, neglecting the sign up bonus.

Compared to another popular card, Discover it Cash Back, TD Cash would be worth less in year one by far, because of Discover’s cash back match, but in year two TD Cash would be worth about the same for most people, because although Discover it Cash Back has 5% cash back categories, it takes a little more effort to manage rotating categories each quarter and you’d have to spend wisely to substantially beat $420 in value.

For example, using the spend above of $500 per month on dining, $500 per month on groceries and $500 in other categories, that would be $1500 of spend on dining per quarter spent during the 5% grocery category quarter and that would be $1500 on groceries per quarter spent during the grocery category quarter, earning you .05 x $3000 = $150.

With unlimited 1% cash back the rest of the year on dining and groceries expenses when they are not the selected 5% cashback category and also including the 1% cash back on the $1000 monthly of other expenses, you would earn .01 x 12 x $1000 = $120 on your other expenses and .01 x 9 x $1000 = $90 on your dining and grocery purchases in addition to their $150 of 5% cash back earnings. That?s a total of $360 before the cash back match, which would make it $720.

Now, to beat out TD Cash in year two with the Discover it Cash Back, you would just have to make sure you got $60 more value by making certain some of your 1% cash back purchases are in another 5% cash back category of purchases approved by Discover.

It’s not hard to fit into these remaining categories. Another category besides dining and groceries on Discover’s website is purchases at Amazon.com, Target & Walmart.com. To be exact, if you were to spend $1500 at, in this example 5% category, Amazon.com, Target & Walmart.com, you would utilize the 5% cash back category enough to bring the value up to $420, exactly equal to TD Cash.

Our analysis shows that other cards can get similar cash back to TD Cash. However, for people who spend a lot on dining and groceries, this is a great, simple card.

Pros

  • 0% for 12 billing cycles
  • Earn 3% Cash Back on dining – from casual to fine dining and everything in between
  • Earn 2% Cash Back at grocery stores

Cons

  • Other cards offer similar cash back or more benefits

Why 5 Stars?

Regular APR


4 Stars

Intro APR


5 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with TD Cash Credit Card

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards For Good Credit, Best Credit Cards For Groceries, Best Credit Cards For Restaurants, Best TD Bank Credit Cards

Target REDcard MasterCard Review

Target REDcard MasterCard

Rating: 5 Stars

Bottom Line:
For Target Shoppers

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

Card Details

Regular APR:24.65% (Variable)
Intro APR (Purchases):None
Intro APR (Balance transfers):None
Rewards Rate:None
Credit Needed:(670 – 850) Good/Excellent
Annual Fee:None
Card Brand:Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • Click APPLY NOW to apply online
  • 5% off at Target. In store. Online. Every time
  • Free 2-day shipping on hundreds of thousands of items from Target.com
  • An additional 30 days for returns and exchanges
  • Get 10% off on your Anniversary When you are signed up for Target marketing emails
  • Save 5% at any in-store Starbucks location when you use your RedCard
  • No annual fee

Is Target REDcard MasterCard worth it?

Target REDcard MasterCard is a great card for Target shoppers. The 10% off anniversary offer is an exclusive offer that will be sent to the primary cardholder via email after the RedCard opening anniversary date. The 5% discount applies to almost every Target purchase possible, with the exception of some in-store restaurants, prescriptions, and Target Optical eye exams. With no annual fee, it’s powerful to carry an unlimited 5% off coupon in your pocket for anything at Target. The APR is normal for store cards, higher than most other cards: currently 24.65%. The main benefits offered are the additional 30 days for returns and exchanges and free 2-day shipping on hundreds of thousands of items from Target.com. If you’re deciding between the prepaid REDcard and the REDCard Mastercard, note that you will be upgraded to the Mastercard from the prepaid. Also, you can only have one REDcard prepaid, American Express Serve, and Bluebird at once, so if you want to open either of those two accounts, keep in mind you won’t be able to as long as you have Target REDcard. The Mastercard is identical to the prepaid version, but you will build credit as its a credit card. If you pay the balance on time, it’s a great card for Target shoppers.

Pros

  • Unlimited 5% off at Target in store and online
  • Free 2-day shipping on hundreds of thousands of items from Target.com
  • Extra 30 days for returns and exchanges
  • No annual fee
  • No foreign transaction fee

Cons

  • High APR

Why 5 Stars?

Regular APR


4 Stars

Intro APR


4 Stars

Fees


5 Stars

Perks


5 Stars

Overall


5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer FeeNo Balance Transfers Allowed
Cash Advance FeeNo Cash Advances Allowed
Penalty APRNone

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Extended Warranty Program
Lost Luggage Reimbursement
Purchase Protection
Roadside Assistance
Travel Accident Insurance
Travel Assistance
Get Started with Target REDcard MasterCard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Best Credit Cards For Black Friday, Best Credit Cards For Christmas, Best Credit Cards For Good Credit, Best Store Credit Cards, Best TD Bank Credit Cards

Primary Sidebar

Get Your Personalized Loan Offers in 4 Easy Steps

Subscribe to our newsletter

Our Latest Research

Susan-G.-Komen-Cash-Rewards-Visa-Credit-Card-from-Bank-of-America-square

Susan G. Komen Cash Rewards Visa Credit Card from Bank of America? Review

SunTrust Secured Credit Card Review

SunTrust Cash Rewards Credit Card

SunTrust Prime Rewards Credit Card Review

SunTrust Cash Rewards Credit Card

SunTrust Cash Rewards Credit Card Review

State Department EMV Savings Secured Visa Platinum

State Department EMV Savings Secured Visa Platinum Review

About Us | Privacy Policy | Terms of Service | Copyright © 2021 CardResearch

Advertiser Disclosure: Some of the offers that appear on this website are from companies from which CardResearch receives compensation. This compensation may impact how and where offers appear on this site. The site does not review or include all companies or all available products.