TD Clear Visa Platinum
By Alex Compton · Last verified
No interest ever, just a flat monthly subscription fee for your credit line.
Welcome Bonus
None
No welcome offer; $10 monthly fee for a $1,000 limit or $20 monthly fee for a $2,000 limit confirmed
Spend Requirement
None
Annual Fee
$120
No FTF
Credit Score
Fair
to good (630+)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer; $10 monthly fee for a $1,000 limit or $20 monthly fee for a $2,000 limit confirmed | TD Clear Visa Platinum Credit Cards product page → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
$10/month for a $1,000 limit or $20/month for a $2,000 limit, no interest and $0 late, balance transfer, cash advance, foreign and returned payment fees confirmed.
Fields: benefits
TD Clear Visa Platinum Credit Cards product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo rewards: predictable cost is the product
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No interest charges at all; the card has no APR
- ✦Two tiers: $10 a month for a $1,000 limit or $20 a month for a $2,000 limit
- ✦No late fees, balance transfer fees, cash advance fees, foreign transaction fees, or returned payment fees
- ✦Predictable minimum payment of $45 (or $70 on the $2,000 tier), including the monthly fee
- ✦Cell phone protection when you pay your mobile bill with the card
Why it earns its spot
- +Total cost is known in advance regardless of behavior
- +Carrying a full $2,000 balance for $240 a year beats 25% APR math
- +The no-fee list is genuinely comprehensive
Where it costs you
- −The fee charges whether you use the card or not
- −Effective cost is brutal at low balances: $120 a year on a lightly used $1,000 line
- −Only available in TD's East Coast footprint, and there is no larger limit option
The Compound Verdict
TD markets this as two products, a $10 tier and a $20 tier of the same Clear card, and the math only works one way: maxed out. Revolving close to the full limit, the monthly fee beats what 25% APR would cost, making it a legitimate tool for someone perpetually carrying a balance. Used casually, it is a subscription fee for nothing, so know which user you are.
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