TD Cash Credit Card
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The TD Cash Credit Card offers a welcome bonus and you can choose your top two spend categories to earn 3% and 2% cash back. Available categories include dining, grocery stores, gas, travel, and entertainment. If you don’t choose anything, the categories default to 3% on dining and 2% at grocery stores.
You can also get 0% intro APR on balance transfers for 15 months, then 19.74%. 24.74%, or 29.74% variable APR, and there’s no annual fee. Note that rewards are paid out in increments of $25. Also, this credit card is only available for residents in select states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT. 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% Intro on Purchases
None
Reward Rate
1% to 3%
0% Intro on Balance Transfers
15 months
Welcome Offer
Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening.
Editorial Review
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 | 19.74%. 24.74%, or 29.74% (V) APR |
| Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 19.74%. 24.74%, or 29.74%(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
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 Savor Cash Rewards Credit Card
Rating
4.5
Rewards Range
1% -10%
Annual Fee
$0