TD Cash Credit Card
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- TD Bank
- TD Cash Credit Card
TD Cash Credit Card Review
Customize your top two spend categories while still earning 1% Cash Back on all other eligible purchases with the TD Cash Credit Card. Plus, enjoy a lengthy intro APR on purchases and balance transfers with no annual fee.
Editor
Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
on TD Bank's secure site
- Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
- Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.
- 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
- No annual fee
- Good, Excellent
Our Expert Review
Why We Like It
Offer Rating
4.5/ 5
By Our Content Team
The TD Cash Credit Card is a solid rewards card, especially for those looking to maximize cash back. Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases. Categories include dining, entertainment, gas, groceries, and travel, but will default to 3% back on dining and 2% at grocery stores. But the cash back doesn’t stop there; new cardholders can earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account. That’s a 20% return on your first $1,000!
The TD Cash Credit Card also offers a 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening. That means cardholders have a significant amount of time to pay down debt without accruing additional interest.
Additionally, this card comes with Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply. You’ll also be protected against unauthorized charges with Visa’s Zero Liability policy. From exceptional cash back opportunities to a generous intro APR on balance transfers and purchases to built-in Visa benefits, this no-annual-fee card is a great option for savvy spenders looking to get more out of their everyday purchases.
Pros & Cons
Pros
- This card offers customizable 3% and 2% cash back categories to best fit your spending habits
- Unlimited 1% Cash Back on all other eligible purchases
- A long intro APR on purchases and balance transfers
Cons
- There is a balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
- This card has a foreign transaction fee of 3% of each transaction in U.S. dollars
Pros Explained
Cons Explained
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