PERSONAL CREDIT CARDS

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Dreaming of a big purchase, a vacation, or just going shopping? Choose the TCF credit card with the rate and rewards that fit your needs, and away you go.

Compare and shop TCF personal credit cards

Maximum Rewards® Visa® Card

  • Earn unlimited 1.5 points per $1 spent on net purchases simply, everywhere you shop2
  • Redeem reward points for cash back, gift cards, travel and merchandise2
  • You have 5 years from when points are awarded to use them before they expire2
  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 17.99% to 27.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum fee $10)

1.5 

points per $1 spent on net purchases simply, everywhere you shop2

$0

No annual fee1

  • Earn unlimited 1.5 points per $1 spent on net purchases simply, everywhere you shop2
  • Redeem reward points for cash back, gift cards, travel and merchandise2
  • You have 5 years from when points are awarded to use them before they expire2
  • 0% introductory Annual Percentage Rate (APR)1 for the first 6 billing cycles after the account is opened on purchases and balance transfers
  • After the introductory APR, your APR will be 17.99% to 27.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum fee $10)

Platinum Edition® Visa® Card

  • $25 statement credit when you make a purchase within the first 3 billing cycles3 after the account is opened
  • 0% introductory Annual Percentage Rate (APR)1 for the first 12 billing cycles after the account is opened on balance transfers
  • After the introductory APR, your APR will be 13.99% to 22.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 3% for the first 12 billing cycles applies to this offer (minimum fee $10); after 12 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10)

$25

Statement credit3

$0

No annual fee1

  • $25 statement credit when you make a purchase within the first 3 billing cycles3 after the account is opened
  • 0% introductory Annual Percentage Rate (APR)1 for the first 12 billing cycles after the account is opened on balance transfers
  • After the introductory APR, your APR will be 13.99% to 22.99% based on your creditworthiness; this APR will vary with the market based on the Prime Rate
  • An introductory balance transfer fee1 of 3% for the first 12 billing cycles applies to this offer (minimum fee $10); after 12 billing cycles, a balance transfer fee of 5% applies to each balance transfer that you make (minimum fee $10)

Secured Visa® Card

  • Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval
  • In as little as 11 months, you may qualify for an unsecured card and have your deposit automatically refunded to you when you maintain a good payment history on your Secured Visa Card and meet new credit card account credit approval
  • Variable 23.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate 
  • Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval
  • In as little as 11 months, you may qualify for an unsecured card and have your deposit automatically refunded to you when you maintain a good payment history on your Secured Visa Card and meet new credit card account credit approval
  • Variable 23.99% Annual Percentage Rate (APR)1 on purchases based on the Prime Rate 

Please see the Summary of Credit Terms link for each product listed above for important information on rates, fees, costs, conditions, and limitations. Minimum monthly payments required.

You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.

Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion.

 

1For additional information about Annual Percentage Rates (APRs), fees and other costs, please see the Summary of Credit Terms link for each product listed above. Your minimum payment will be applied to balances starting with the lowest APR first. Amounts paid in excess of the minimum payment will be applied to balances starting with the highest APR first.

2 See the Rewards Terms and Conditions in the Summary of Credit Terms for details, including earning, redemption, expiration or forfeiture.

3 You will earn a $25 statement credit after the first purchase is posted to the Account within the first 3 billing cycles after the Account is opened. Please allow 6-8 weeks after you qualify for the statement credit to be applied to your credit card account.

All credit cards subject to credit approval. Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa® International Service Association and used under license.

picture maroon and gold credit card

Show your Gopher pride. Get rewarded.

Enjoy the same benefits of the TCF Maximum Rewards® Visa® Card, while representing your favorite team with every purchase. Earn rewards and show your school spirit with the Maximum Rewards® Visa® Card, proudly brought to you by the University of Minnesota Alumni Association.

  • No annual fee1
  • Earn unlimited 1.5 points per $1 spent on net purchases simply, everywhere you shop2
  • Redeem reward points for cash back, gift cards, travel and merchandise2

Summary of Credit Terms

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