TD Cash Credit Card
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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 for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness, 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.
Our Rating
4.2/5.0
Welcome Offer
Earn $200 Cash Back
Annual Fee
None
0% on Purchases
N/A
Reward Rate
1% to 3%
0% on Balance Transfers
for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your credit worthiness
Welcome Offer
Earn $200 Cash Back when you spend $500 within the first 90 days after account opening.
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | None |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Regular APR | 20.24%, 25.24% or 30.24% (V) APR |
| Balance Transfers | 0% Intro APR for 15202425243024 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 01/27/2023 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 3% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0
Capital One SavorOne Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0