TD Bank credit card terms
Top-25 issuer · 7 products surveyed · CFPB TCCP survey, Jul-Dec 2025
TD Bank reported a surveyed purchase APR of 17.24% – 28.99% (median 23.99%) to the CFPB Terms of Credit Card Plans survey, across 7 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $29 – $89. 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 surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 17.24% – 28.99% |
| Median purchase APR | 23.99% |
| Rate type | variable & fixed |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 29.24% |
| Annual fee | $29 – $89 |
| Late fee (median) | $29 |
| Secured card offered | Yes |
| Products surveyed | 7 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means TD Bank did not report that field in the survey.
TD Bank purchase APR by credit tier
Median purchase APR TD Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 28.99% |
| Good credit (620-719) | 23.99% |
| Great credit (720+) | 18.99% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How TD Bank 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's median of 23.99% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| TD Bank (this issuer) | 17.24% – 28.99% | 23.99% | $29 – $89 |
| Citizens Bank | 15.74% – 29.24% | 23.49% | $295 |
| U.S. Bancorp | 16.49% – 30.49% | 24.49% | — |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
| Bank Of America | 13.49% – 28.24% | 22.24% | $59 – $550 |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
Citizens Bank · U.S. Bancorp · USAA Federal Savings Bank · Regions Bank · Bank Of America · Fifth Third Bank
Frequently asked questions
What is TD Bank's credit card APR?
TD Bank reported a purchase APR of 17.24% – 28.99% to the CFPB Terms of Credit Card Plans survey (median 23.99%), across 7 surveyed products. Rates are variable & fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does TD Bank charge an annual fee?
TD Bank's surveyed cards carry an annual fee of $29 – $89. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is TD Bank a good choice for a low APR?
TD Bank 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.
Keep exploring
Sources & accuracy
Terms reported by TD Bank (Td Bank, 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