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VISA

Visa Traditional

TD Clear Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+Low ongoing variable APR (14.49%-24.49%) compared to typical credit cards
+0% intro APR on balance transfers for 15 months
+Free authorized users
+Simple, straightforward card with no complex rewards structure

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies
-Higher APR floor than some competing low-APR cards

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	14.49%–24.49% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

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Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

TD Clear Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+Low ongoing variable APR (14.49%-24.49%) compared to typical credit cards
+0% intro APR on balance transfers for 15 months
+Free authorized users
+Simple, straightforward card with no complex rewards structure

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies
-Higher APR floor than some competing low-APR cards

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	14.49%–24.49% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

VISA

Visa Traditional

TD Clear Card

Annual Fee

At a Glance

Annual Fee

Authorized User Fee

Foreign Transaction Fee

Network

Visa Traditional

Credit Required

Good to Excellent

Benefits & Perks

Insurance & Protections

Zero liability for unauthorized charges

You're protected against fraudulent transactions made without your permission

Zero Liability on unauthorized charges

You won't be held responsible for unauthorized charges made in store, online, or via mobile device.

24/7 lost/stolen card assistance worldwide

Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.

Up to $100 purchase protection per claim$100

Covers damage, theft, or loss of items purchased with your card

Reviews & Analysis

Pros and Cons

Pros

+No annual fee
+Low ongoing variable APR (14.49%-24.49%) compared to typical credit cards
+0% intro APR on balance transfers for 15 months
+Free authorized users
+Simple, straightforward card with no complex rewards structure

Cons

-No rewards program (0% cash back, no points)
-3% foreign transaction fee
-Limited geographic availability (TD Bank footprint states only)
-3% balance transfer fee applies
-Higher APR floor than some competing low-APR cards

Who It's Best For

Details & Terms

Payment Terms

Purchase APR	14.49%–24.49% (Variable)
Cash Advance APR	26.49% (Variable)
Foreign Transaction Fee	3%
Authorized User Fee	$0

Media & Resources

Evidence Sources

Source	Date	URL
—	—	View source

Explore More

Browse all card categories →Browse all card benefits →Browse all credit cards →

Best For

✓Paying down existing credit card debt with 0% intro APR balance transfers
✓Cardholders who carry balances and want a low ongoing APR (14.49%-24.49%)
✓TD Bank customers seeking a simple no-annual-fee card
✓Those prioritizing interest savings over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Pay-in-full cardholders who would benefit more from a rewards card

Best For

✓Paying down existing credit card debt with 0% intro APR balance transfers
✓Cardholders who carry balances and want a low ongoing APR (14.49%-24.49%)
✓TD Bank customers seeking a simple no-annual-fee card
✓Those prioritizing interest savings over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Pay-in-full cardholders who would benefit more from a rewards card

Best For

✓Paying down existing credit card debt with 0% intro APR balance transfers
✓Cardholders who carry balances and want a low ongoing APR (14.49%-24.49%)
✓TD Bank customers seeking a simple no-annual-fee card
✓Those prioritizing interest savings over rewards

Not Ideal For

✗Rewards seekers (this card earns no points or cash back)
✗International travelers (3% foreign transaction fee)
✗Those outside TD Bank's East Coast footprint states
✗Pay-in-full cardholders who would benefit more from a rewards card