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 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.

TD Cash

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

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.
5% cash back
Gas
Limited Time Offer: Earn 5% Cash Back on gas purchases for 6 months or up to $6,000 in spend.

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 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

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 - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

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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