TD Clear with $1,000 Credit Limit
How we calculate effective rate →
The TD Clear with $1,000 Credit Limit from TD Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. Its annual fee is $120.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $120
Best for dining-heavy spend when the $120 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the TD Clear with $1,000 Credit Limit earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how TD Clear with $1,000 Credit Limit compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how TD Clear with $1,000 Credit Limit compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the TD Clear with $1,000 Credit Limit?
The TD Clear with $1,000 Credit Limit fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
TD Clear with $1,000 Credit Limit fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Less compelling if the $120 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $120 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No foreign transaction fee listed.
Cons
- $120 annual fee requires enough spend in bonus categories to offset.
- points value depends on how you redeem, not straight cash back.
Does the TD Clear with $1,000 Credit Limit have an annual fee?
The TD Clear with $1,000 Credit Limit has an annual fee of $120 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $120
- Foreign transaction fee
- None
What benefits come with the TD Clear with $1,000 Credit Limit?
The TD Clear with $1,000 Credit Limit includes Cell phone protection, Emergency card replacement, Roadside Dispatch® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Cell phone protection
$25/yrGet reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Emergency card replacement
$25/yrIf your card is lost or stolen, you can get an emergency replacement card sent immediately
Your partner against identity theft
$25/yrYour TD Bank Visa Credit Card includes ID Navigator Powered by Norton LifeLock, providing tools so you can act quickly if your identity is threatened
Roadside Dispatch®
$10/yrAccess 24/7 roadside service with this pay-per-use program
Related encyclopedia topics
Common questions about the TD Clear with $1,000 Credit Limit
Does the TD Clear with $1,000 Credit Limit have an annual fee?
The TD Clear with $1,000 Credit Limit carries an annual fee of $120 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the TD Clear with $1,000 Credit Limit?
Dining is the strongest Madeen category for the TD Clear with $1,000 Credit Limit at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the TD Clear with $1,000 Credit Limit charge foreign transaction fees?
The TD Clear with $1,000 Credit Limit does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the TD Clear with $1,000 Credit Limit annual fee worth it?
Whether the $120 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the TD Clear with $1,000 Credit Limit?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the TD Clear with $1,000 Credit Limit. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the TD Clear with $1,000 Credit Limit?
Rewards on the TD Clear with $1,000 Credit Limit post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the TD Clear with $1,000 Credit Limit compare to similar cards?
Compare the TD Clear with $1,000 Credit Limit against TD Cash (3% on Dining, $0 fee); TD First Class℠ Visa Signature (3% on Dining, $89 fee); Target Circle™️ Credit Card (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TD Clear with $1,000 Credit Limit This card | Dining | 0% | $120 |
TD Bank | Dining | 3% | $0 |
| Dining | 3% | $89 | |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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