Average Consumer Ratings:


Overall Ratings:

Reward Program:

Card Benefit:

Customer Service:

TD Easy Rewards℠ Visa Credit Card


Credit Card Rate Information:

 
Purchase
Balance Transfer
Cash Advance

Index:
 prime
 
 
Margin:
 5.99 - 19.99
 5.99 - 19.99
 19.99
APR:
  9.24% - 23.24% Variable
 9.24% - 23.24% Variable
 23.24% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 0% Fixed
 None
Intro Period:
 None
 12 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 
Credit Card Fee Information:

Annual Fee:
 None
Foreign Transaction Fee:
 3%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 Unlimited rewards – No point caps, points do not expire. Redeem for cash back, electronics, gift cards, travel rewards and more – starting at 2,500 points.
Special Notes:
 APR for Balance Transfer: 0% Introductory APR for the first 12 billing cycles from account opening. After that your APR will be a variable 9.24%-23.24% based on your creditworthiness. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $10 or 5% of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in US dollars. Late payment Fee: Up to $35. If your payment is 60 days past due, you may lose your introductory APR and receive the APR for balance transfers which would apply to all balance transfers on the Account.
Card Issued By:
 TD Bank, NA
General Correspondence Address:
 Portland Square, Portland, ME, 4101
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 Airlines, Balance Transfer, Low Interest, Reward
States Available In:
 CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 
Credit Limit Notes:
 



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*The credit card information displayed here has been collected by CardRatings.com and has not been reviewed or provided by the issuer of this card.

Consumer Reviews


  1. Overall Ratings:

    Reward Program:

    Card Benefit:

    Customer Service:

    Mark ( Jan 16, 2013 at 1:58 pm)

    I have been a customer of T Bank for the past 14 years. I applied for this card, which was offered with a rate of between 9.24% - 23.24%, expecting the 9.24% rate. My credit score is high, I have not missed or been late with auto payments in the last 3 years, no banckruptcies or judgements - ever. To my horror, I received the cards with the worst and maximum rate of 23.24%. I went to my branch manager in Aberdeen who said he will look into it and will "call me tomorrow". That was 6 weeks ago and I'm still waiting for that call. I spoke with Debbie in the credit call center who had no explanation and promised "someone from corporate will call back". I've been waiting 4 weeks for that call. I called Debbie again 2 days ago and she again promised that someone wold call me back. This did not happen either. I am ashamed to be a customer of TD Bank. They pay the lowest rates for savings accounts in the United States and charge the highest rates for loans and credit cards. If I do not hear back from W. Edmund Clark hinself, Chairman of the Board of TD Bank by the close of business TODAY, I will close my: Personal Checking Account Savings Account MOney Market Account and Business Checking Account and I will continue to post my experience on these websites. I suspect that the bank NEVER intended to give ANYONE the 9.24% rate. I also see how much they care by ignoring me. Mark