First ClassTD Bank · N bank, CT · FDIC 18409
CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “TD First Class”
Foreign fee
Grace period
25 days
from cycle close
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| 17.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website | |
| APR for balance transfersintroductory rate first | 0% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for cash advances | 29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — | — |
| Minimum interest charge | $1 | — | — |
| How we calculate your balance | Average daily balance including new purchases | — | — |
| Annual fee | $89, minimum $89, maximum $89, Waived 1st yearConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer | 5% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Foreign transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty fees | |||
| First late fee | $29, Late fee amount not to surpass minimum payment amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Repeat late fee within six billing cycles | $40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Returned payment | — | no source read | |
| Other fees | |||
| Returned Payment Fee | $40, We may charge you this fee each time your financial institution for any reason does not honor a payment you make to us. The first Returned Payment Fee will be equal to $29 or your minimum payment due, whichever is less. If over the next six Billing CyclesConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Emergency Replacement Card Fee | $32, If you request a replacement Card on an expedited basis (for example, to replace a lost or stolen Card), we may charge you an Emergency Replacement Card Fee of up to $32.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Stop Payment Fee | $39, If you ask us to stop payment on an Access Device, we may charge you a Stop Payment Fee of $39.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer terms | NoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |