TD Clear Visa Platinum
By Alex Compton · Last verified
No interest ever, just a flat monthly subscription fee for your credit line.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: predictable cost is the product
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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, foreign transaction fees, or returned payment fees
- ✦Cell phone protection when you pay your 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.
Rate this card
Be the first to rate it
Commentson TD Clear
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.