TD Cash Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99% ‐ 24.99% (Variable)
Balance Transfer
14.99% ‐ 24.99% (Variable) (0% for the first 12 months)
Rewards
1 - 3% cashback
Signup Bonus
$200 after spending $500


7.4/10
Informr score
The TD Cash Credit Card currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?


TD Cash Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

With a large sign-up bonus and a great rewards rate on food purchases, the rewards program on the TD Cash Credit Card offers better-than-average value.

- Andy Shuman, CreditCards.com
RewardExpert

This card’s selling point is that it gives you a bonus, cash back rate for dining out and grocery purchase. And while that bonus rate isn’t too bad, there are simply far better options for cash back if restaurant meals and groceries are your primary expenses — such as Capital One Savor and AmEx’s Bl...

- Jeff Opdyke, RewardExpert
Finder

If you mostly spend on dining and groceries, the TD Cash Credit Card can be a good choice. In addition to cash back, you get a generous signup bonus and a long intro APR period on balance transfers.

- Finder
Bank Deal Guy

This card is designed for people who want to earn money back on everyday purchases for things like: going out to eat, grabbing a quick cup of coffee, or for every day purchases.  The rewards program is straight forward and simple. You don’t have to worry about keeping tabs on special spending catego...

- Anthony Nguyen, Bank Deal Guy
ValuePenguin

 The TD Cash Credit Card is not the best credit card out there, but it's not bad either. The 2% cash back you can get through this card on dining is fantastic. Coupled with the fact that it has no annual fee, the TD Cash Credit Card can be a decent secondary card.

- Robert Harrow, ValuePenguin

Details


Interest Rates
Regular APR Interest Rate 14.99% ‐ 24.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% ‐ 24.99% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus $200 after spending $500

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants 3% cash back
Gas No
Groceries 2% cash back
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

A very rewarding cash back card

from CreditCards.com

With a large sign-up bonus and a great rewards rate on food purchases, the rewards program on the TD Cash Credit Card offers better-than-average value.

Read full review

With a large sign-up bonus and a great rewards rate on food purchases, the rewards program on the TD Cash Credit Card offers better-than-average value.

Read full review

Less

RewardExpert

There are better cash back credit card options

from RewardExpert

This card’s selling point is that it gives you a bonus, cash back rate for dining out and grocery purchase. And while that bonus rate isn’t too bad, there are simply far better options for cash back if restaurant meals and groceries are your primary expenses — such as Capital One Savor and AmEx’s Blue Cash Preferred.

Read full review

This card’s selling point is that it gives you a bonus, cash back rate for dining out and grocery purchase. And while that bonus rate isn’t too bad, there are simply far better options for cash back if restaurant meals and groceries are your primary expenses — such as Capital One Savor and AmEx’s Blue Cash Preferred.

Read full review

Less

Finder

High cash back on dining and groceries

If you mostly spend on dining and groceries, the TD Cash Credit Card can be a good choice. In addition to cash back, you get a generous signup bonus and a long intro APR period on balance transfers.

Read full review

If you mostly spend on dining and groceries, the TD Cash Credit Card can be a good choice. In addition to cash back, you get a generous signup bonus and a long intro APR period on balance transfers.

Read full review

Less

Bank Deal Guy

A great credit card to consider since the spend requirement is pretty low and very doable

from Bank Deal Guy

This card is designed for people who want to earn money back on everyday purchases for things like: going out to eat, grabbing a quick cup of coffee, or for every day purchases.  The rewards program is straight forward and simple. You don’t have to worry about keeping tabs on special spending categories to earn cash rewards.

Read full review

This card is designed for people who want to earn money back on everyday purchases for things like: going out to eat, grabbing a quick cup of coffee, or for every day purchases.  The rewards program is straight forward and simple. You don’t have to worry about keeping tabs on special spending categories to earn cash rewards.

Read full review

Less

ValuePenguin

A decent credit card for earning rewards on dining purchases

from ValuePenguin

 The TD Cash Credit Card is not the best credit card out there, but it's not bad either. The 2% cash back you can get through this card on dining is fantastic. Coupled with the fact that it has no annual fee, the TD Cash Credit Card can be a decent secondary card.

Read full review

 The TD Cash Credit Card is not the best credit card out there, but it's not bad either. The 2% cash back you can get through this card on dining is fantastic. Coupled with the fact that it has no annual fee, the TD Cash Credit Card can be a decent secondary card.

Read full review

Less

SmartAsset

An attractive option for those looking to transfer existing credit card debt

A nice introduction for those looking to get their foot in the door with a solid cash back card with no annual fee. The simplicity of the categories eligible for cash back rewards with this card also gives cardholders less to worry about in making sure they’re maximizing their earning potential.

Read full review

A nice introduction for those looking to get their foot in the door with a solid cash back card with no annual fee. The simplicity of the categories eligible for cash back rewards with this card also gives cardholders less to worry about in making sure they’re maximizing their earning potential.

Read full review

Less

WalletHub

Solid but not elite

from WalletHub

The TD Bank Cash Credit Card has the broadest appeal among the family of TD Bank cards. That’s thanks to Cash Visa’s easily attainable $150 initial bonus, straightforward cash-back rewards and lack of an annual fee.

Read full review

The TD Bank Cash Credit Card has the broadest appeal among the family of TD Bank cards. That’s thanks to Cash Visa’s easily attainable $150 initial bonus, straightforward cash-back rewards and lack of an annual fee.

Read full review

Less

HighYa

An interesting option for rewards seekers

from HighYa

We believe this card is a good fit for someone who spends a lot of money each month on eating out, as the 2% rewards rate can produce a fair amount of rewards each month.

Read full review

We believe this card is a good fit for someone who spends a lot of money each month on eating out, as the 2% rewards rate can produce a fair amount of rewards each month.

Read full review

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Wise Bread

Earn more cash on dining purchases

from Wise Bread

The TD Cash Visa is best for those who frequently make purchases categorized in the dining category, whether it's fast food, convenience store, or coffee shops. You also have an opportunity to earn a nice cash back bonus if you meet the spending requirements.

Read full review

The TD Cash Visa is best for those who frequently make purchases categorized in the dining category, whether it's fast food, convenience store, or coffee shops. You also have an opportunity to earn a nice cash back bonus if you meet the spending requirements.

Read full review

Less

User Reviews


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