TD Cash Credit Card

The TD Cash Credit Card offers a welcome bonus, and for a limited time, earn 5% cash back on grocery purchases for six months, up to $6,000 in spend. You can choose your top two spend categories to earn 3% and 2% cash back. If you don’t choose anything, the categories default to 3% on dining and 2% on groceries. The grocery cash back bonus works by adding 3% cash back to your grocery store purchases, so it’s possible to earn 6% cash back, if you select groceries as your 3% category. If you select it as your 2% category, you’ll earn 5% cash back, and if you don’t select it at all, you’ll earn 4% (3% plus 1% on all other purchases).

You can also get 0% APR on Balance Transfers for 15 months, then variable APR of 20.24%, 25.24% or 30.24% and there’s no annual fee. One thing to take note of is that rewards are paid out in increments of $25. We dive into the details and your approval odds in this TD Cash review.

TD Cash

Our Rating

4.2/5.0

Welcome Offer

Earn $150 Cash Back

Annual Fee

None

0% Intro on Purchases

None

Reward Rate

1% to 3%

0% Intro on Balance Transfers

15 months

Welcome Offer

Earn $150 Cash Back when you spend $1,000 within the first 90 days after account opening

Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksRoadside Assistance

Rewards

1% cash back
On all other eligible purchases
1% Cash Back on other purchases.
2% cash back
Select Categories
Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back.
3% cash back
Select Categories
Choose your top two Spend Categories to earn unlimited 3% and 2% Cash Back.

Interest Rates & Fees

Annual FeeNone
Foreign Transaction Fee3% of each transaction in U.S. dollars
Regular APR20.24%, 25.24% or 30.24% (V) APR
Balance Transfers0% Intro APR for 15 months on balance transfers, then 20.24%, 25.24% or 30.24%(V) APR after that.
Balance Transfer Fee$5 or 3% of transfer whichever amount is greater

What Credit Score Is Required to Get the TD Cash Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 770

Average Approved Credit Score: 770

App StatusDateCredit ScoreBureauCredit Limit
Approved01/27/2023
770
Experian
$6,000

Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • Up to 3% cash back
Cons
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card
Citi® Double Cash Card

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

Citi Custom Cash® Card
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

Capital One SavorOne Cash Rewards Credit Card
Capital One SavorOne Cash Rewards Credit Card

Rating

4.5

Rewards Range

1% -10%

Annual Fee

$0

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