TD Bank (U.S.) credit cards
East Coast bank that is also a major private-label issuer through TD Retail Card Services.
About TD Bank (U.S.)
TD Bank (U.S.) is an East Coast bank best known in cards both for its own TD-branded cards and, through TD Retail Card Services, for store cards such as the Target Circle Card and the Nordstrom Credit Card. Its own lineup includes the TD Double Up Credit Card, the TD Cash Credit Card, the TD Cash Secured Credit Card and TD Clear, which charges a monthly fee instead of interest.
TD suits you if you live near its branches, want a simple cash-back card, or need a secured card to build credit. Its 'Check if I'm prequalified' tool shows potential offers without a hard inquiry. The limitation: TD's own card lineup is smaller than those of the big national issuers, and its secured card carries a $29 annual fee, which is worth weighing against no-fee secured cards elsewhere.
Notable TD Bank (U.S.) cards
- Target Circle Card
- Nordstrom Credit Card
- TD Double Up Credit Card
- TD Cash Credit Card
TD Bank (U.S.) cards compared
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
U.S. Bank Altitude Reserve Visa InfiniteMobile-wallet-first spenders who want premium travel perks |
$400/yr | 3x on travel and mobile-wallet purchases, 1x other; points worth 1.5¢… | None | None | Excellent (740+) | |
U.S. BankCash+ Visa Signature 4155 5817 4749 4432 VALID THRU 08/29CASEY BROOKS U.S. Bank Cash+ Visa Signature CardPeople willing to manage quarterly 5% category picks |
None | 5% on two chosen categories (first $2,000 combined per quarter), 2% on… | 0% intro APR on purchases and balance transfers for 12 billi… | 3% | Good to Excellent (700+) | |
U.S. BankAltitude Go Visa Signature 4192 5546 4223 7938 VALID THRU 12/31AVERY PATEL U.S. Bank Altitude Go Visa Signature CardFrequent diners who want 4x with no fee |
None | 4x on dining and takeout, 2x at grocery stores, gas/EV charging and st… | 0% intro APR on purchases and balance transfers for 12 billi… | None | Good to Excellent (700+) | |
U.S. BankSmartly Visa Signature 4133 4644 9862 1346 VALID THRU 10/31MORGAN LEE U.S. Bank Smartly Visa Signature CardU.S. Bank depositors with large balances chasing a high flat rate |
None | 2% cash back on all purchases, boosted up to 4% when you hold qualifyi… | None | None | Good to Excellent (700+) | |
U.S. BankCash+ 2026 Category Refresh 4885 8568 9534 1529 VALID THRU 10/29MORGAN LEE U.S. Bank Cash+ (2026 Category Refresh)Cash+ fans awaiting the confirmed category refresh |
None | Expected to keep choose-your-own 5% categories with possible list and… | Expected 0% intro APR offer (terms TBD) | 3% | Good to Excellent (700+) | — |
U.S. BankShield Visa 4173 2865 9895 7291 VALID THRU 12/32AVERY PATEL U.S. Bank Shield Visa CardPaying down debt or financing a large purchase interest-free |
None | 4% cash back on prepaid air, hotel and car booked via U.S. Bank Travel… | 0% on purchases and balance transfers for 24 billing cycles | See issuer | See issuer | — |
U.S. BankBusiness Shield Visa 4223 0074 3163 6060 VALID THRU 04/31AVERY PATEL U.S. Bank Business Shield Visa CardSmall businesses financing purchases interest-free |
None | 5% cash back on prepaid travel booked via U.S. Bank Travel Center | 0% on purchases and balance transfers for 18 billing cycles… | See issuer | See issuer | — |
Approval rules and tips
TD Bank (U.S.) does not publish a formal limit on how often you can apply. Approval is based on your credit score, income, existing debt and recent applications — check any pre-qualification tool first, because it uses a soft inquiry.
- Use 'Check if I'm prequalified' on td.com to see potential offers without a hard inquiry.
- Prequalification does not guarantee approval; the full application pulls your credit.
- The TD Cash Secured card requires opening a TD savings account to secure your credit limit.
- Store cards such as the Target Circle Card are applied for through the retailer, not td.com.
How to apply for a TD Bank (U.S.) card
Apply for TD-branded cards at td.com or at a TD Bank store. The official 'Check if I'm prequalified' tool shows potential offers without a hard inquiry; a full application then pulls your credit. Have your Social Security number, date of birth, address, income and housing costs ready. For the Target Circle Card or Nordstrom Credit Card, apply through that retailer's website or store instead.
Customer service: www.td.com · 1-888-561-8861
TD Bank (U.S.) FAQs
What credit cards does TD Bank (U.S.) offer?
TD Bank (U.S.)'s notable cards include Target Circle Card, Nordstrom Credit Card, TD Double Up Credit Card, TD Cash Credit Card. See the cards we review below for fees, rewards and APRs.
Does TD Bank (U.S.) have special approval rules?
TD Bank (U.S.) does not publish a formal application-frequency rule. Approval depends on your credit score, income, existing debt and recent applications.
How do I apply for a TD Bank (U.S.) credit card?
Apply on www.td.com. Check any pre-qualification tool first — it uses a soft inquiry that does not affect your credit score.
Does TD Bank issue the Target Circle Card?
Yes. TD Bank USA issues Target's credit card through its retail card services business, along with store cards for brands such as Nordstrom. You apply for and manage those cards through the retailer's program, separately from TD-branded cards such as TD Cash or TD Double Up.
Does TD Bank offer a secured card?
Yes. The TD Cash Secured Credit Card has you open a TD savings account to secure your credit limit, and it earns 3-2-1% cash back while you build credit. It carries a $29 annual fee, so compare that cost with no-fee secured cards from other issuers before you apply.
What is TD Clear?
TD Clear is a TD card that charges a fixed monthly fee instead of interest, offered with $1,000 or $2,000 credit limits. It is designed for people who want predictable costs rather than a variable APR. Compare the monthly fee with what you would pay in interest before choosing it.