TD Bank
TD Clear with $1,000 Credit Limit
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | No signup bonus |
| Rewards Rate | No rewards rate |
| Other Fees | Monthly Fee $10 Monthly Membership Fee ($120 annualized) Balance Transfer Fee $0 Cash Advance Fee $0 Annual Fee None Foreign Transaction Fee $0 Late Payment Fee $0 Returned Payment $0 |
| Network | Visa |
About this card
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.
Pros & Cons
What's great
- No annual fee
- No foreign transaction fees
- No late payment fees
Things to consider
- No sign-up bonus
- No rewards
- Monthly membership fee
What this card offers
Sign-up bonuses
Rewards
Other features
- A credit card with no interest, just a simple monthly fee
- No late payment or foreign transaction fees
- Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability
- $45 predictable minimum payment, inclusive of the monthly fee
- Digital Wallet
- Visa Zero Liability
- Contactless Payments
Additional Notes
Read important terms and conditions for account details. The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.