TD Bank USA credit card terms
Top-25 issuer · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
TD Bank USA reported a surveyed purchase APR of 28.45% – 28.95% (median 28.7%) to the CFPB Terms of Credit Card Plans survey, across 1 product. It is one of the 25 largest U.S. card issuers. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
TD Bank USA surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 28.45% – 28.95% |
| Median purchase APR | 28.7% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 30.15% |
| Annual fee | — |
| Late fee (median) | $30 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means TD Bank USA did not report that field in the survey.
How TD Bank USA compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. TD Bank USA's median of 28.7% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| TD Bank USA (this issuer) | 28.45% – 28.95% | 28.7% | — |
| Wells Fargo Bank | 15.99% – 28.49% | 28.49% | $95 – $99 |
| JPMorgan Chase Bank | 16.74% – 28.24% | 27.49% | $49 – $795 |
| Capital One | 14.9% – 31.24% | 27.24% | $39 – $395 |
| First National Bank Of Omaha | 15.49% – 32.99% | 26.37% | $30 – $249 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
Wells Fargo Bank · JPMorgan Chase Bank · Capital One · First National Bank Of Omaha · PNC Bank · Fifth Third Bank
Frequently asked questions
What is TD Bank USA's credit card APR?
TD Bank USA reported a purchase APR of 28.45% – 28.95% to the CFPB Terms of Credit Card Plans survey (median 28.7%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does TD Bank USA charge an annual fee?
TD Bank USA did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is TD Bank USA a good choice for a low APR?
TD Bank USA is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by TD Bank USA (Td Bank Usa, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29