TD Clear Visa Platinum Credit Card
- Annual Fee
- $10–$20/mo
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $10–$20/mo
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Traditional
- Credit Required
- Good to Excellent
Earning Rates
- 0X
All Other
This card does not earn rewards - value is the absence of interest and penalty fees in exchange for a flat monthly fee
Benefits & Perks
Insurance & Protections
4 protections$0 late, returned payment and foreign transaction fees
No late payment, returned payment, balance transfer, cash advance or foreign transaction fees.
Zero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Cell phone protection when you pay your bill with the card
$500
Up to $500 per claim (two claims, $1,000 per 12 months, $50 deductible) for a stolen or damaged phone when the monthly bill is paid with the card.
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Reviews & Analysis
Pros and Cons
Pros
- +No interest charged
- +No late payment, returned payment, cash advance, balance transfer or foreign transaction fees
- +Predictable minimum payment ($45 on the $1,000 limit, $70 on the $2,000 limit), inclusive of the monthly fee
- +Visa benefits such as cell phone protection, emergency card replacement and Visa Zero Liability
- +Authorized users are permitted, and the fee schedule lists no authorized user fee
Cons
- -$10 or $20 monthly membership fee ($120 or $240 a year), charged whether or not you use the card
- -The monthly fee counts against your available credit
- -No rewards program
- -Fixed credit limit of $1,000 or $2,000
- -Limited geographic availability (TD Bank footprint states only)
Who It's Best For
Best For
- People who want a card with no interest charges and a predictable monthly cost
- Rebuilding or building credit with a fixed $1,000 or $2,000 credit limit
- Avoiding late payment, returned payment, cash advance, balance transfer and foreign transaction fees
- TD Bank customers in eligible East Coast states
Not Ideal For
- Rewards seekers (this card earns no points or cash back)
- Anyone who wants to pay no recurring fee - the $10 or $20 monthly fee ($120 or $240 a year) applies whether or not you use the card
- Those who need a credit limit above $2,000
- Those outside TD Bank's East Coast footprint states
Details & Terms
Payment Terms
| Purchase APR | 0% |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Td Bank Official | — | Td Bank Official |
| TD Bank Official | TD Bank Official |