This credit card is a great way for a cardholder to earn points that they can then exchange for special things like plane tickets and electronics. For the first six months this card is active, the cardholder will earn five times the normal amount of points on purchases.
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If you do choose a credit card based on its rewards program you should make sure that you are receiving those rewards. The Smart Money website has great information on this topic, especially in the article “Credit Card Rewards: Are You Getting Them?”
TD Easy Rewards Visa Rates
The credit card purchase interest rate for this TD Easy Rewards Visa card is based on the cardholder’s creditworthiness and ranges from 9.24% and 23.34%. This same annual percentage rate range will also apply to balance transfers after the first year.
The fact that this card has no interest rate on balance transfers for the first year makes it a great choice for someone that is looking for a card specifically to make a significant balance transfer.
Often, when cardholders run up a high balance on a credit card with a high interest rate, they begin to look for another card with low or no interest rate to transfer that balance to as a way to save money in the long run on interest charges. If someone does choose to go with this credit card for that reason, they should keep track of the end of that one-year introductory period so they can try and pay off the balance before the interest charges begin again.
This rewards credit card has no penalty interest rate. The interest rate for cash advances on this card is kind of high, at 23.24%.
TD Easy Rewards Visa Fees
There is no credit card annual fee for the TD Easy Rewards Visa. The cardholder will be charged 4% of the total balance for balance transfers with a minimum fee of $10. The cash advance charge is 5% and also carries a minimum charge of $10.
Foreign transactions will be charged a 3% fee on the total balance, without a minimum fee amount. The only penalty fee is a $35 late payment fee on this credit card.
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