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TD Cash Credit Card

Cory Santos

| Last updated on November 14th, 2023

TD Cash Credit Card

TD Cash Credit Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
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None Annual Fee

TD Cash Credit Card

  • 19.74%, 24.74% or 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74%, 24.74% or 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 30.24% variable based on the Prime Rate Cash Advance APR

At a Glance

With the ability to earn 3% cash back at restaurants and 2% at grocery stores and 1% on all other eligible purchases, the TD Cash Credit Card makes getting good eats a tasty and profitable experience.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn $150 Cash Back when you spend $500 within 90 days after account opening
  • Earn 3% Cash Back on dining – including takeout and delivery
  • Earn 2% Cash Back at grocery stores
  • Earn 1% Cash Back on all other eligible purchases
  • No caps, no limits as long as your account is in good standing
  • Balance Transfer Offer: 0% introductory APR for first 12 billing cycles after account opening. After that, 14.99%, 19.99% or 24.99% variable APR based on your creditworthiness
  • $0 Annual Fee
  • *Read terms and conditions about APRs, fees, eligible purchases, balance transfers and program details
  • Regular Purchase APR: 19.74%, 24.74% or 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 19.74%, 24.74% or 29.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 30.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You want to earn 3% cash back on dining (including takeout and delivery), 2% at grocery stores, and 1% everywhere else
  • You’re likely to spend $500 within 3 months to earn an extra $150 sign-up bonus
  • You enjoy the diversity of having 400+ rewards redemption options
  • You bank with TD Bank

TD Cash Credit Card Review

If you find yourself frequently dining around town with friends or family, the TD Cash Credit Card rewards you for each one of those memorable meals. The card, from TD Bank, offers bountiful rewards and a lengthy introductory APR period on balance transfers – all for no annual fee.

0% Intro APR

The TD Cash Card offers a lengthy 0% intro APR period for new accounts. New cardholders enjoy 0% introductory APR on balance transfers for the first 12 months.

The twelve months of zero interest in balance transfers are an excellent feature with the Cash Card, making it the ideal partner for paying down an existing credit card balance. And while the typical APR on transfers (and purchases) isn’t exceptional for those with good credit, those with excellent credit scores are significantly lower than the interest rates found with other leading cash back credit cards.

How to Earn Rewards

The TD Cash Card offers a versatile cash back rewards program. Cardholders earn 3% cash back on dining, including takeout and delivery, making it one of the more valuable dining credit cards on the market today. What’s more, they also offer 2% cash back for grocery store purchases and 1% on all other eligible purchases made with the card.

Cash Back Sign-up Bonus

New TD Cash Card accounts also enjoy a simple cash back sign-up bonus. New accounts can earn a $150 Cash Back after spending $500 within 90 days after account opening. While $150 cash back isn’t the most lucrative bonus on the market today, it’s an easy-to-achieve goal that can place some decent cash in your pocket in no time.

A family of four or foodie set on sampling the trendiest cuisines around town can quickly meet that spending threshold in half that time, if not sooner – for example.

How to Redeem Cash Back

Not only do the points earned while using the TD Cash Credit Card not expire, but there’s no limit to how many you can earn. After accumulating points practically everywhere you go, you’ll be happy to know that there are hundreds of options for redeeming your TD rewards, including cash back, gift cards, travel accommodations, and a whole lot more.

Should You Apply for the TD Cash Credit Card?

Overall, the TD Cash Credit Card is a versatile cash back card for those that spend heavily on dining and groceries and want an achievable sign-up bonus. Earning 3% back on dining and 2% back on groceries is great – and the 0% APR offers are equally enjoyable.  Factor in the card’s lack of an annual fee or foreign transaction fees, and you’ll easily see why it’s as critical to bringing along to your next meal as an open heart and an empty stomach.

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