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TD Bank Cash Credit Card Review

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TD Cash Credit Card

Apply Now
on TD Bank's secure website
Card Details
Intro Apr:
0% Introductory APR for the first 15 billing cycles after Account opening.

Ongoing Apr:
12.99%, 17.99% or 22.99%, based on your creditworthiness

Balance Transfer:
0% Introductory APR for the first 15 billing cycles after Account opening.

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn $150 Cash Back when you spend $500 within 90 days after account opening
  • Earn 3% Cash Back on dining
  • Earn 2% Cash Back at grocery stores
  • Earn 1% Cash Back on all other eligible purchases
  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • Visa Zero Liability
  • Instant credit card replacement
  • Digital Wallet
  • After introductory period, balance transfer APR will be 12.99%, 17.99% or 22.99%, based on your creditworthiness

Card Details +

  • The TD Bank cash credit card is a cash back card that lets you earn money when you spend on everyday expenses.
  • You can earn between 1% and 3% cash back on eligible purchases simply by buying things you would already be paying for.
  • The card is especially beneficial for those who love dining out, as you can earn 3% cash back on those purchases.
  • The card comes with a sign-up bonus, which is an opportunity to earn $200 extra in cash back.
  • This card also has a $0 annual fee and no foreign transaction fee.

Who Needs the TD Bank Cash Credit Card?

The TD Bank cash credit card is a good all-around spending tool. It has a wide range of benefits, including cashback rewards, a low APR for creditworthy individuals, digital wallet options and fraud protection. This may be a good choice for someone who has good credit and needs a well-balanced credit card. If you’re looking for a rewards credit card but don’t currently have a credit score high enough to land a top-tier travel card, the TD Bank card is an ideal stepping stone.

The card may also be a great choice for anyone who eats out a lot. You get 3% cash back on dining purchase. That can really add up for someone who hosts a lot of dinnertime business meetings or gets a morning cup of coffee and bagel daily.

Everything You Need to Know About the TD Bank Cash Credit Card

Only you can determine whether a credit card offer is right for you. Make sure you read the fine print before you apply for or accept any offer, but you can start with the details below to learn more about the TD Bank cash credit card.

The Benefits

Cash back is the big draw with this card. You can earn cash back on a variety of purchases.

  • 3% cash back. Earn it on all your dining purchases. That includes any purchase made at an establishment that categorizes itself as a restaurant, which covers the gamut from fast food burgers to gourmet steaks.
  • 2% cash back. Earn it on grocery purchases. Because of the way retailers categorize themselves, this may not include all your purchases at superstores or club warehouses.
  • 1% cash back. All purchases that don’t fall into one of the two categories above net you 1% cash back. The exception is cash-like transactions such as withdrawals at an ATM, cash back at a register, gift card purchases and money orders.

How do these TD Bank cash rewards work? You spend on things you would already buy and swipe this card at the register. Keep up with your payments, manage your account well and watch the rewards accrue.

If you spend $500 a month on dining out, that’s $180 in cash back every year. Add in another $500 on groceries a month, and you get another $120 in cash back. That’s $300 just for feeding yourself throughout the year.

Other benefits of this card include:

  • A bonus offer. Spend $500 in the first 90 days you have this card and get $200 in bonus cash.
  • 0% APR on balance transfers. Get a 0% Introductory APR for the first 15 billing cycles after Account opening. After that, your APR will be 12.99%, 17.99% or 22.99%, based on your creditworthiness. Balance transfer fees apply.
  • Safe, secure shopping. This card is backed by Visa’s zero liability policy. You won’t be liable for fraudulent charges if your card or card number is stolen.
  • Digital wallet and contactless payment. The card is compatible with a number of modern payment methods for convenience and security.

The Drawbacks

The biggest drawback of the TD Bank cash credit card is that it is, in many ways, average. Yes, the cash back rewards are nice—especially since you can redeem them for more than just cash back. But there is no introductory APR for purchases, and the ongoing interest rates are average, depending on your credit. You’ll also pay a fee up to $10 for cash advances.

As far as credit card disadvantages go, though, this is far from a deal breaker. So, the card remains a good option for anyone looking for a middle-of-the-road purchasing tool that covers a lot of bases well.

Is the TD Bank Cash Credit Card Worth It?

The card comes with no annual fee, which makes it a pretty good deal. If you pay your statement on time and pay off all your balances each month, any cash back you earn is clear profit. Plus, this card doesn’t have a foreign transaction fee. That makes it a good choice for those who like to travel and want to save the 3% to 5% fees charged by some banks.

You’ll need good to excellent credit to be approved for this card. Check your credit score for free using Credit.com’s Credit Report Card to ensure your score will qualify you. Then apply today so you can soon be earning cash back when you eat out.

TD Cash Credit Card

Apply Now
on TD Bank's secure website
Card Details
Intro Apr:
0% Introductory APR for the first 15 billing cycles after Account opening.

Ongoing Apr:
12.99%, 17.99% or 22.99%, based on your creditworthiness

Balance Transfer:
0% Introductory APR for the first 15 billing cycles after Account opening.

Annual Fee:
$0

Credit Needed:
Excellent-Good
Snapshot of Card Features
  • Earn $150 Cash Back when you spend $500 within 90 days after account opening
  • Earn 3% Cash Back on dining
  • Earn 2% Cash Back at grocery stores
  • Earn 1% Cash Back on all other eligible purchases
  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • Visa Zero Liability
  • Instant credit card replacement
  • Digital Wallet
  • After introductory period, balance transfer APR will be 12.99%, 17.99% or 22.99%, based on your creditworthiness

Card Details +


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