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TD Bank

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for balance transfers0%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
APR for cash advances0%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchasesNot offered from the close of each billing cycle—
How we calculate your balanceOther—
Annual fee$10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Foreign transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Penalty fees
Late payment$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Returned payment—
Other fees
Monthly Membership Fee$10, Your account has a Monthly Membership Fee that will be billed to your account each month as a charge, whether or not you use your account, and applied against your available credit like other charges. The Monthly Membership Fee amount is listed in the FeeConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website
Balance transfer termsNoConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026Website