TD Bank
TD Cash Credit Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $200 Cash Back |
| Rewards Rate | 1%-3% Cash Back |
| Intro APR | 0% intro APR on balance transfers and purchases for the first 15 billing cycles after account opening. |
| Regular APR | After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. 28.74% variable APR |
| Other Fees | Balance Transfer Fee Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. Minimum Interest Charge $1 Cash Advance Fee $10 or 5% of advance whichever amount is greater Foreign Transaction Fee 3% of each transaction in U.S. dollars Late Payment Fee Up to $40 Return Payment Fee Up to $40 |
| Network | Visa |
About this card
The TD Cash Credit Card is a decent cash back card with some appealing features, but also some notable drawbacks. Its strengths include the customizable rewards categories (3% and 2% cash back on chosen categories), a sign-up bonus, and no annual fee. However, the high regular APR, foreign transaction fees, and high balance transfer fee detract from its overall value. The card's reputation is solid within TD Bank's footprint, but it's not a market leader compared to other cash back cards with wider availability and potentially better rewards. The high APR means that users have to be careful about paying off their balances. Overall, it's a good option for existing TD Bank customers who can take advantage of the customizable rewards categories and avoid carrying a balance, but it's not a standout card compared to others in the market. Therefore, the rating is 3.1/5.0.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- Cashback on purchases
Things to consider
- High regular APR
- Limited rewards categories
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Special offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening
Rewards
- With the TD Cash Credit Card, earn unlimited 3% and 2% Cash Back on the categories you choose.
- Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
Other features
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- Digital Wallet Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases
- Visa Zero Liability Enjoy Visa security on purchases, plus protection against unauthorized charges
- Contactless Payments Learn more about the convenience and security of contactless payments
Additional Notes
CompareCreditTM 2026 Best No Annual Fee Credit Card