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65

TD First Class

Td Bank, National Association

Top-25 issuerRegionalVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
17.24%
Annual fee
$89
0% intro
None
0% transfer
12 mo
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered17.24%
Median17.24%
Highest offered17.24%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.24%
Median29.24%
Highest offered29.24%

Every fee on this card

Annual fee$89
Periodic fee range$89 – $89
Balance transfer fee5% (min $5)
Cash advance fee3% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$40
Emergency Replacement Card Fee$32
Stop Payment Fee$39

Late fee policy: Late fee amount not to surpass minimum payment amount

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Spend to Get

Who can get this card

AvailabilityRegional
StatesCT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Membership requirementsOpen to the public
Phone1-877-468-3178
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$350

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 17.24% afterwards.

Cost to carry a balance
Interest for a year at 17.24%$517.20
Annual / periodic fees$89
Total yearly cost$606.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

39 documents filed by Td Bank, National Association in the 2026 Q1 archive.

All 39 agreements

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