Detected in the CFPB-filed cardholder agreements from Td Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Deferred interest
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…ement will apply to the Promotional Offer. b. Examples of Promotional Offers that May be Available for Eligible Transactions: Promotional Offers with Deferred Interest and with Standard Payment Terms: For this type of Promotional Offer, deferred interest charges are computed at the APR for standard Purchases listed…”
“…Fees None Transaction Fees $50 for 0% APR promotions with a minimum purchase of $500 and with a duration of 12 Promotional Fee* to 18 months. $50 for Deferred Interest / No Interest if Paid in Full promotions with a minimum purchase of $500 and with a duration of 12 to 24 months. $150 for 0% APR and Reduced APR prom…”
“…t is 60 days past due. This means that a 0% or reduced APR balance may be moved to your standard Purchase APR, and any interest that has accrued on a deferred interest Promotional Offer may be added to your balance. b. Examples of Promotional Offers that May be Available for Eligible Transactions: Promotional Offers…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…of our rights under the Agreement will not preclude us from later exercising those rights. 23. Changing This Agreement: Subject to applicable law, we may change this Agreement at any time or from time to time. For example, we may change fees, add new fees, change the interest rates or rate formulas that apply to your Account, increase…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…d in your Cardholder Agreement. Right to Reject: If you made a phone purchase with the account before receiving your Cardholder Agreement in writing, you may reject the account. To reject the account, you must call TD Bank at 1-800-252-2551 within 45 days of opening the account. If you do so, the account will be…”
“…d in your Cardholder Agreement. Right to Reject: If you made a phone purchase with the account before receiving your Cardholder Agreement in writing, you may reject the account. To reject the account, you must call TD Bank at 1-800-434-0050 within 45 days of opening the account. If you do so, the account will be…”
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.