TD Bank credit cards
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This card is for people who shop at Target often and pay in full. It takes 5% off at checkout in stores and on Target.com, adds free 2-day shipping on Target.com and 30 extra days for returns, and charges no annual fee. New cardholders get $50 in Target Circle Rewards after spending $50 within 60 days. The caveat: it works only at Target, and the 28.20% Variable purchase APR wipes out the 5% the moment you carry a balance.
