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Choosing the Best TD Credit Card: A Guide to the Top Options Online, Via App, and Over the Phone

TD offers a variety of credit cards designed to suit a range of financial needs and lifestyles. Determining the best one for you can feel overwhelming, but don't worry – we've got you covered. This guide will analyze the top TD credit cards and help you choose the best one for your circumstances, whether you prefer online banking, mobile app, or calling customer service.

Option 1: Online Banking

If you are comfortable surfing the internet, the online banking option could be the most seamless way for you to apply for a TD credit card. TD Bank's online platform allows applicants to compare credit card options side by side, categorically analyzing the benefits of each.

TD Cash Credit Card: The TD Cash Credit card is an excellent option for people who spend a lot on dining and groceries. It offers 3% cashback on dining, 2% at grocery stores, and 1% on all other eligible purchases. The card also has a nice welcome offer, with a chance to earn a substantial cashback bonus within the first 90 days of account opening.

TD First Class Visa Signature Credit Card: For frequent travellers, this card offers triple points on travel and dining, with no foreign transaction fees. You also have the opportunity to earn a sizeable bonus points offer.

Option 2: Mobile App

For those who prefer having the convenience of banking at their fingertips, TD Bank’s mobile app is a great way to apply for a new credit card. It allows for quick comparisons of the card benefits, making it easy for users to select the perfect card for their needs.

TD Aeroplan Visa Signature Credit Card: If you are a frequent flyer and prefer to use mobile app banking, the TD Aeroplan Visa Signature Credit Card could be the best choice for you. It offers double miles on Air Canada purchases, and a mile per dollar spent on all other eligible purchases. Additionally, the card offers comprehensive travel insurance.

Option 3: Customer Service

If you prefer speaking to someone directly, TD Bank’s customer service can help guide you to your ideal credit card. They can assess your individual needs and recommend a suitable option.

TD Ameritrade Client Rewards Card: A customer service representative might suggest the TD Ameritrade Client Rewards Card if you are looking for a no-annual fee card. This card offers unlimited rewards on all purchases, and there’s also the potential to earn a significant bonus.

TD Business Solutions Credit Card: If you own a business, the Business Solutions card offers cash back rewards on all purchases, with no caps or category restrictions.

Whichever route you choose to apply for your TD credit card, understanding your personal financial needs and habits can significantly simplify the process. Pick the best method that suits your lifestyle, and get the best credit card offering from TD that matches your financial aims.