TD Clear with $1,000 Credit Limit

The TD Clear card presents a mixed bag. Its primary appeal is the predictable monthly fee structure instead of interest, which could benefit those who consistently carry a balance. The absence of late payment and foreign transaction fees is also a plus. However, the $10 monthly fee ($120 annually) offsets many of these benefits, especially considering the lack of rewards. For a card targeting those building or rebuilding credit, the cost is substantial. While TD Bank is a reputable issuer, the card's value proposition is limited, making it a niche product at best. Considering the APR, rewards, and fees, the overall rating reflects its limitations and niche appeal.