![]() ![]() You’ll need to be a resident of Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia or Washington D.C. No rewards on your spending: The TD Clear cards don’t offer rewards points or cash back on your spending.Credit line limit of $1,000 or $2,000: The credit limit options are relatively low, but may be a good fit if you’re looking to build credit or curb overspending.Monthly fees: In lieu of interest, the TD Clear cards charge $10 or $20 monthly membership fee, depending on which card you choose.No late payment, balance transfer, or foreign transaction fees: The TD Clear cards don’t charge fees apart from the fixed monthly fees.No interest charges: These credit cards don’t charge interest. ![]() Most of the top-ranking cards on our best credit cards to build credit roundup do not charge an annual fee and some offer rewards, too. Making on-time payments can help you build credit and improve your credit score so you can eventually qualify for a credit card with rewards points or cash back.īut if you’re new to credit and your goal is to build credit, there are stronger cards that don’t charge monthly or annual fees. TD Bank will report your payments to all three credit bureaus. This makes them a more affordable option than the TD Clear card for customers who don’t let their balance roll over from one month to the next. By contrast, interest-charging cards don’t charge interest if you pay off your balance in full each month. That means this card’s yearly cost is comparable to an annual fee on a premium credit card that offers superior rewards and fancy perks.Īlso, the Clear card’s annual fee is charged every month, regardless of whether you’re using your account or not. However, the Clear card’s $10 or $20 monthly fee adds up to $120 or $240 a year. There’s also no annual fee to keep this card in your wallet. In addition to not charging interest, the TD Clear cards also don’t charge balance transfer, cash advance, foreign transaction, late payment or returned payment fees. Both of these payments include the monthly fee. If you carry a balance on your card, expect to make monthly payments of $45 or $70, respectively. ![]() TD Bank offers two Clear card options: one with a $1,000 credit limit and a $10 monthly fee and the other with a $2,000 credit limit and a $20 monthly fee. However, this variation on a traditional credit card may be more of a gimmick that will end up costing you more money. ![]() TD Bank created the TD Clear Platinum Visa cards to simplify credit cards as these cards charge a fixed monthly fee instead of interest. If you’re new to the world of credit cards, you might feel overwhelmed by revolving balances, compound interest and other opaque financial concepts. Recommended credit score: New to credit.Does the issuer offer a preapproval tool? No.Does it report to all three credit bureaus? Yes.Other perks and benefits: Qualifies for Visa Platinum card benefits, including emergency card replacement, roadside dispatch, cellphone protection and a free Shipt subscription for three months.Annual fee: $10 or $20 monthly membership fee, depending on which version of the card you choose.The card details on this page have not been reviewed or provided by the card issuer. TD Clear Visa Platinum Credit Card * The information for the TD Clear Visa Platinum Credit Card has been collected independently by Blueprint. If your aim is to build credit, there are stronger cards that don’t charge monthly or annual fees and some offer rewards, too. ![]()
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