The TD Clear credit card is unique in offering predictable monthly payments without charging interest if you carry a balance. Although this card doesn't earn rewards, it can be a good alternative to traditional credit cards for those looking to build a credit history while simplifying their finances.<\/p>\n
The TD Clear Visa Platinum Credit Card<\/a> charges a $10 or $20 monthly fee, depending on your credit line. In exchange, cardholders can carry a balance without accruing interest and avoid other common credit card charges like foreign transaction fees and penalties for late or returned payments.<\/p>\nLet's dig into the details to see if TD Clear is right for your wallet.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\nPage Contents<\/p>TD Clear Pros<\/a><\/li>TD Clear\u00a0Cons<\/a><\/li>How the TD Clear Credit Card Works<\/a><\/li>Benefits of the TD Clear Card<\/a>No interest charges<\/a><\/li>No ancillary fees<\/a><\/li>Cell phone protection<\/a><\/li>Entertainment access<\/a><\/li>Discounted Shipt membership<\/a><\/li><\/ul><\/li>No Welcome Offer or Rewards<\/a><\/li>Application Restrictions<\/a><\/li>Cards That Compete With the TD Clear Card<\/a><\/li>Bottom Line<\/a><\/li><\/ul><\/div>\n\nTD Clear Pros<\/span><\/h2>\n\nNo interest charges.<\/li>\nNo late fees.<\/li>\nNo foreign transaction fees.<\/li>\nVisa Platinum benefits, like cell phone insurance.<\/li>\n<\/ul>\nTD Clear\u00a0Cons<\/span><\/h2>\n\nApplications are restricted to residents in select U.S. states with a TD branch.<\/li>\nMonthly fee of $10 or $20, depending on your credit limit.<\/li>\nDoes not earn rewards of any kind.<\/li>\n<\/ul>\nTD Bank only offers credit cards to customers based in Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia. If you aren't physically located in one of these states, you'll be unable to apply for TD Bank credit cards discussed below.<\/p>\nHow the TD Clear Credit Card Works<\/span><\/h2>\nWhen you apply, you'll elect a credit line to apply for and your monthly fee will reflect that decision. A $1,000 credit line will cost $10 per month, and a $2,000 credit line will cost $20 monthly. The card will require a minimum payment on top of the monthly fee — what TD calls a “predictable monthly payment” — of $45 for the $1,000 credit line option and $70 for the $2,000 credit line option.<\/p>\nSince the card doesn't charge interest and has no late fees, you won't be charged extra fees if you fail to pay your predictable monthly payment, though your spending privileges may be revoked.<\/p>\nCredit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\nBenefits of the TD Clear Card<\/span><\/h2>\nCardholders of the TD Clear Visa Platinum<\/a> can enjoy a handful of primary benefits. Here's an overview.<\/p>\nNo interest charges<\/span><\/h3>\nThe TD Clear Visa Platinum has no interest charges whatsoever. In fact, the card doesn't even have an APR. Instead, card members pay a $10 or $20 monthly fee. You won't be subject to interest charges if you carry a balance month-to-month. Rather, the card will require a monthly minimum payment of $45 or $70 (which includes the monthly fee), depending on whether you have the $1,000 credit line or $2,000 credit line version.<\/p>\nNo ancillary fees<\/span><\/h3>\nSome key benefits of the TD Clear Visa Platinum are no late fees, balance-transfer fees, foreign transaction fees, or returned payment fees. This can greatly simplify things for a cardholder, but remember, you will have a monthly fee to cover.<\/p>\nRelated: No-Annual-Fee Cards Are Not No-Fee Cards. Here's Why.<\/a><\/b><\/p>\nCell phone protection<\/span><\/h3>\nCell phone protection<\/a> is a benefit that many cards have added in recent times. This is a Visa Platinum Card benefit, which the TD Clear Visa Platinum is.<\/p>\nKeep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\nEntertainment access<\/span><\/h3>\nSofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\nI've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\nDiscounted Shipt membership<\/span><\/h3>\nThe TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Let's dig into the details to see if TD Clear is right for your wallet.<\/p>\n
Page Contents<\/p>
TD Bank only offers credit cards to customers based in Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia. If you aren't physically located in one of these states, you'll be unable to apply for TD Bank credit cards discussed below.<\/p>\n
When you apply, you'll elect a credit line to apply for and your monthly fee will reflect that decision. A $1,000 credit line will cost $10 per month, and a $2,000 credit line will cost $20 monthly. The card will require a minimum payment on top of the monthly fee — what TD calls a “predictable monthly payment” — of $45 for the $1,000 credit line option and $70 for the $2,000 credit line option.<\/p>\n
Since the card doesn't charge interest and has no late fees, you won't be charged extra fees if you fail to pay your predictable monthly payment, though your spending privileges may be revoked.<\/p>\nCredit: Mikhail Nilov\/Pexels<\/em><\/enter><\/figure>\nBenefits of the TD Clear Card<\/span><\/h2>\nCardholders of the TD Clear Visa Platinum<\/a> can enjoy a handful of primary benefits. Here's an overview.<\/p>\nNo interest charges<\/span><\/h3>\nThe TD Clear Visa Platinum has no interest charges whatsoever. In fact, the card doesn't even have an APR. Instead, card members pay a $10 or $20 monthly fee. You won't be subject to interest charges if you carry a balance month-to-month. Rather, the card will require a monthly minimum payment of $45 or $70 (which includes the monthly fee), depending on whether you have the $1,000 credit line or $2,000 credit line version.<\/p>\nNo ancillary fees<\/span><\/h3>\nSome key benefits of the TD Clear Visa Platinum are no late fees, balance-transfer fees, foreign transaction fees, or returned payment fees. This can greatly simplify things for a cardholder, but remember, you will have a monthly fee to cover.<\/p>\nRelated: No-Annual-Fee Cards Are Not No-Fee Cards. Here's Why.<\/a><\/b><\/p>\nCell phone protection<\/span><\/h3>\nCell phone protection<\/a> is a benefit that many cards have added in recent times. This is a Visa Platinum Card benefit, which the TD Clear Visa Platinum is.<\/p>\nKeep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\nEntertainment access<\/span><\/h3>\nSofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\nI've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\nDiscounted Shipt membership<\/span><\/h3>\nThe TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Cardholders of the TD Clear Visa Platinum<\/a> can enjoy a handful of primary benefits. Here's an overview.<\/p>\nNo interest charges<\/span><\/h3>\nThe TD Clear Visa Platinum has no interest charges whatsoever. In fact, the card doesn't even have an APR. Instead, card members pay a $10 or $20 monthly fee. You won't be subject to interest charges if you carry a balance month-to-month. Rather, the card will require a monthly minimum payment of $45 or $70 (which includes the monthly fee), depending on whether you have the $1,000 credit line or $2,000 credit line version.<\/p>\nNo ancillary fees<\/span><\/h3>\nSome key benefits of the TD Clear Visa Platinum are no late fees, balance-transfer fees, foreign transaction fees, or returned payment fees. This can greatly simplify things for a cardholder, but remember, you will have a monthly fee to cover.<\/p>\nRelated: No-Annual-Fee Cards Are Not No-Fee Cards. Here's Why.<\/a><\/b><\/p>\nCell phone protection<\/span><\/h3>\nCell phone protection<\/a> is a benefit that many cards have added in recent times. This is a Visa Platinum Card benefit, which the TD Clear Visa Platinum is.<\/p>\nKeep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\nEntertainment access<\/span><\/h3>\nSofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\nI've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\nDiscounted Shipt membership<\/span><\/h3>\nThe TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
The TD Clear Visa Platinum has no interest charges whatsoever. In fact, the card doesn't even have an APR. Instead, card members pay a $10 or $20 monthly fee. You won't be subject to interest charges if you carry a balance month-to-month. Rather, the card will require a monthly minimum payment of $45 or $70 (which includes the monthly fee), depending on whether you have the $1,000 credit line or $2,000 credit line version.<\/p>\n
Some key benefits of the TD Clear Visa Platinum are no late fees, balance-transfer fees, foreign transaction fees, or returned payment fees. This can greatly simplify things for a cardholder, but remember, you will have a monthly fee to cover.<\/p>\n
Related: No-Annual-Fee Cards Are Not No-Fee Cards. Here's Why.<\/a><\/b><\/p>\nCell phone protection<\/span><\/h3>\nCell phone protection<\/a> is a benefit that many cards have added in recent times. This is a Visa Platinum Card benefit, which the TD Clear Visa Platinum is.<\/p>\nKeep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\nEntertainment access<\/span><\/h3>\nSofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\nI've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\nDiscounted Shipt membership<\/span><\/h3>\nThe TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Cell phone protection<\/a> is a benefit that many cards have added in recent times. This is a Visa Platinum Card benefit, which the TD Clear Visa Platinum is.<\/p>\nKeep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\nEntertainment access<\/span><\/h3>\nSofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\nI've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\nDiscounted Shipt membership<\/span><\/h3>\nThe TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Keep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. Limitations are $500 per claim and up to two claims per 12-month period, with a $50 deductible per claim.<\/p>\n
Sofar Sounds is a way for cardmembers to get early access to Sofar Sounds shows and a free ticket to each show with one ticket purchased during the presale period.<\/p>\n
I've yet to use this benefit on any of my credit cards, but it does seem that bigger artists host Sofar Sounds shows from time to time. Depending on your city of residence, you might benefit from this perk.<\/p>\n
The TD Clear Visa Platinum offers three months of a Shipt membership for free, then nine months at 50% off. The service offers free delivery when orders total $35 or more.<\/p>\nCredit: Dollar Gill\/Unsplash<\/em><\/enter><\/figure>\nNo Welcome Offer or Rewards<\/span><\/h2>\nThere is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
There is no welcome offer for the TD Clear Visa Platinum<\/a>. This card has no sign-up bonus, intro period for balance transfers or purchases, or any other discernible benefit to entice you to sign up \u2014 outside of its “no fee” benefits and Visa Platinum perks. In addition, the TD Clear Visa Platinum earns no rewards for spending on the card.<\/p>\nIf your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
If your credit is good enough, you'll likely be better off getting one of\u00a0this month\u2019s top credit card offers<\/a> instead.<\/p>\nApplication Restrictions<\/span><\/h2>\nThe most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
The most significant restriction on the TD Clear Visa Platinum<\/a> is the geographical restrictions to apply. You'll need to be living in a state that has a TD branch, which includes:<\/p>\n\nConnecticut<\/li>\nDelaware<\/li>\nFlorida<\/li>\nMaine<\/li>\nMaryland<\/li>\nMassachusetts<\/li>\nNew Hampshire<\/li>\nNew Jersey<\/li>\nNew York<\/li>\nNorth Carolina<\/li>\nPennsylvania<\/li>\nRhode Island<\/li>\nSouth Carolina<\/li>\nVermont<\/li>\nVirginia<\/li>\nWashington, D.C.<\/li>\n<\/ul>\nOutside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Outside of geography restrictions, TD Bank doesn't have the onerous application rules and restrictions<\/a> you'll find with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. With that said, you should remember that frequent card applications can negatively impact your credit score<\/a>.<\/p>\nCards That Compete With the TD Clear Card<\/span><\/h2>\nThe TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
The TD Clear Visa Platinum<\/a> is a unique card with a unique fee structure, but it competes with a few other cards on the market.<\/p>\n\nIf you're ineligible for the TD Clear Visa Platinum because of geographic restrictions,<\/strong> consider the Wells Fargo Active Cash\u00ae<\/sup> Card<\/a> (Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a great welcome offer \u2014 all with a $0 annual fee. For more information, check out our full Active Cash Card review<\/a>.<\/li>\nIf you prefer a card with low fees,<\/strong> look into the Citi Simplicity\u00ae<\/sup> Card<\/a>. This card is also among one of the most forgiving products on the market \u2014 with no late payment fees or penalty APR rate if you miss a payment.<\/li>\nIf you want to earn rewards while reducing interest payments on outstanding debt, <\/strong>consider the Bank of America\u00ae<\/sup> Travel Rewards credit card<\/a>. This card charges a 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, making it a valuable tool to help consolidate debt. Plus, it charges a $0 annual fee. Learn more about the card in our full Bank of America Travel Rewards Card review<\/a>.<\/li>\n<\/ul>\n<\/div><\/div>Wells Fargo Active Cash\u00ae<\/sup> Card<\/div>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div>Apply Now<\/a><\/div>Annual Fee<\/strong>$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
$0Rates & Fees<\/a><\/span><\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>\r\nEarn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/div>Citi Simplicity\u00ae<\/sup> Card<\/div>Welcome Offer<\/strong>\r\n0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 18.24% - 28.99%, based on your creditworthiness. (Balance transfers must be completed within 4 months of account opening.)<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent, Good<\/p><\/div><\/div>This card doesn't earn any rewards. If you're looking for a card that combines rewards with a great intro APR, you'll find other options on our list of\r\nbest 0% APR credit cards for balance transfers<\/a>.\r\n<\/div><\/div><\/div><\/div>Bank of America\u00ae<\/sup> Travel Rewards credit card<\/div>Welcome Bonus<\/strong>\r\n25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.<\/div><\/div>Learn More<\/a><\/div>Annual Fee<\/strong>$0<\/p><\/div>Credit Score<\/strong>Excellent\/Good<\/p><\/div><\/div>\r\n1.5 points for every $1 you spend on all purchases<\/li>\r\n<\/ul><\/div><\/div><\/div><\/p>\nBottom Line<\/span><\/h2>\nIt goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Excellent, Good<\/p><\/div><\/div>
$0<\/p><\/div>
Excellent\/Good<\/p><\/div><\/div>
It goes without saying that the TD Clear Visa Platinum<\/a> is certainly a unique card. For the right wallet, no interest charges, no late fees, and a digestible monthly fee can make a lot of sense.<\/p>\nHowever, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n\n \n \n TD Clear Visa Platinum Credit Card<\/div>\n <\/div>\n How to Apply<\/a><\/div>\n <\/div>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n <\/div>\n \n TD Clear Visa Platinum Credit Card<\/strong>\n Featured Offer<\/strong> A credit card with no interest, just a simple monthly fee.<\/div>\n Annual Fee:<\/strong>$20 monthly membership fee<\/b><\/div>\n Show more<\/a>Why We Like It<\/a>Highlights<\/a>The TD Clear Visa Platinum Credit Card offers a straightforward approach to credit by replacing traditional interest charges with a fixed monthly fee. This card is ideal for individuals seeking predictable payments and a simplified credit experience.<\/div>\r\nNo hidden fees: No foreign-transaction fees, annual fees, cash-advance fees, over-the-limit fees, or returned-payment fees<\/li>\r\nEnjoy Visa benefits like cell-phone protection, emergency card replacement and Visa Zero Liability<\/li>\r\nMust be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.<\/li><\/ul>\r\n<\/ul><\/div><\/div>\n <\/div>\n <\/div>\n <\/use><\/svg><\/a>\n <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges<\/title>\n<meta name=\"description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\" \/>\n<meta property=\"og:description\" content=\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-23T18:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T17:41:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mark Jackson\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mark Jackson\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"author\":{\"name\":\"Mark Jackson\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\"},\"headline\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"},\"wordCount\":1225,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"keywords\":[\"Card Reviews\",\"TD Bank\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\",\"name\":\"TD Clear Credit Card Review: Monthly Fee, No Interest Charges\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"datePublished\":\"2024-11-23T18:00:00+00:00\",\"dateModified\":\"2025-12-04T17:41:48+00:00\",\"description\":\"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Wikimedia Commons\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b\",\"name\":\"Mark Jackson\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g\",\"caption\":\"Mark Jackson\"},\"description\":\"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.\",\"sameAs\":[\"https:\/\/www.instagram.com\/markjacksonjunior\",\"https:\/\/www.youtube.com\/@jacksonjetsetting\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/mark\/\"}]}<\/script>","yoast_head_json":{"title":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_locale":"en_US","og_type":"article","og_title":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","og_description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","og_url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_published_time":"2024-11-23T18:00:00+00:00","article_modified_time":"2025-12-04T17:41:48+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","type":"image\/jpeg"}],"author":"Mark Jackson","twitter_card":"summary_large_image","twitter_creator":"@AwardWallet","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Mark Jackson","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"author":{"name":"Mark Jackson","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b"},"headline":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"},"wordCount":1225,"commentCount":0,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","keywords":["Card Reviews","TD Bank"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","url":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/","name":"TD Clear Credit Card Review: Monthly Fee, No Interest Charges","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","datePublished":"2024-11-23T18:00:00+00:00","dateModified":"2025-12-04T17:41:48+00:00","description":"The TD Clear Credit Card has a transparent fee structure that sets it apart from traditional cards. Does it make sense for you?","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/TD_Bank_Chinatown_DC_by_Matthew_Bisanz.jpg","width":1000,"height":800,"caption":"Credit: Wikimedia Commons"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/td-clear-credit-card\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"TD Clear Credit Card Review: Pay a Monthly Fee to Enjoy No Interest Charges"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/2669ae2a1e5cbe4644fea354cc5c657b","name":"Mark Jackson","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/c5332f74097cafff9fa8cb1c32c7795e","url":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3ae6d982c5ae7a3f34e1f693cb47ac474bebbab8cae2fbc6f7b037913f8b1f28?s=96&d=mm&r=g","caption":"Mark Jackson"},"description":"Most of Mark\u2019s professional career has revolved around credit cards and points and miles. He\u2019s been to over 95 countries, but still hasn\u2019t visited all the \u201creal\u201d countries of Epcot\u2019s World Showcase. He enjoys leaving his hometown of Scottsdale, Arizona anytime the temperature rises above 105 degrees Fahrenheit.","sameAs":["https:\/\/www.instagram.com\/markjacksonjunior","https:\/\/www.youtube.com\/@jacksonjetsetting"],"url":"https:\/\/awardwallet.com\/blog\/author\/mark\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=184844"}],"version-history":[{"count":24,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions"}],"predecessor-version":[{"id":238364,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/184844\/revisions\/238364"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/185585"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=184844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=184844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=184844"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=184844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
However, the card has some very clear (pun intended) limitations. For starters, you need to live in a state with a TD branch in order to apply. Plus, the TD Clear Visa Platinum doesn't earn rewards of any kind. So, it's not, by definition, a rewards card. Unless you fit the target audience for this card, you may be better off looking at other options.<\/p>\n
The TD Clear Visa Platinum Credit Card offers some interesting benefits for cardholders, especially the fact that there’s no late fees, interest charges, balance-transfer fees, or foreign-transaction fees. But does the monthly fee for holding the card make sense for your wallet? Check out this review to find out.<\/p>\n","protected":false},"author":97,"featured_media":185585,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-184844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"yoast_head":"
![\"TD](\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\")
<\/div>\n ![\"TD](\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11936992.png\")
<\/div>\n