TD Cash Credit Card

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Last updated on September 13th, 2021

TD Cash Credit Card

Earn $150 Cash Back When You Spend $500 Within 90 Days

TD Cash Credit Card
  • Regular Purchase APR 12.99%, 17.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 12.99%, 17.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Earn $200 cash back when you spend $500 within 90 days after account opening
  • Earn 3% cash back on dining – from casual to fine dining and everything in between
  • Earn 2% cash back at grocery stores
  • Earn 1% cash back on all other eligible purchases
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.99%, 17.99% or 22.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 12.99%, 17.99% or 22.99% 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: 25.24% 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
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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.

Ideal for Those Who:

  • Want to earn 3% cash back on dining, 2% at grocery stores, and 1% everywhere else
  • Are likely to spend $500 within 3 months to earn an extra $200 sign-up bonus
  • Enjoy the diversity of having 400+ rewards redemption options
  • 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 both purchases and balance transfers – all for no annual fee.

0% Intro APR

The TD Cash Card offers two lengthy 0% intro APR periods for new accounts. New cardholders enjoy 0% introductory APR on both purchases for six months and balance transfers for the first 15 months.

The fifteen 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.

The six months of 0% APR on purchases isn’t groundbreaking – nor is it industry-leading. Still, half a year without interest on purchases is a nice touch that can help a new cardholder pay down a significant purchase.

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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