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TD Cash Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
17.99% ‐ 27.99% (Variable)
Balance Transfer
17.99% ‐ 27.99% (Variable) (0% for the first 12 months)
Balance Transfer
17.99% ‐ 27.99% (Variable) (0% for the first 12 months)
1 - 3% cashback
1 - 3% cashback
Signup Bonus
$150 after spending $500
Signup Bonus
$150 after spending $500

Informr score
The TD Cash Credit Card currently has an Informr score of 7.6 out of 10. This score is based on our evaluation of 18 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...

If you have excellent credit and you live in one of the states that qualifies for cardmembership, the TD Cash Credit Card might be a good card for you, especially if your spending falls into the dining and grocery store categories. Plus, keep in mind that you earn cash back on takeout and delivery,...

- Amber Stubbs,

People who consider themselves foodies should consider the TD Cash Credit Card. Cardholders earn 3% cash back on dining, including takeout and delivery, 2% cash back at grocery stores, and 1% cash back on all other eligible purchases. Your cash back rewards can add up quickly whether you dine out or...

- Kevin Payne, FinanceBuzz

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.

- Chris Thompson, SmartAsset

Although the TD Cash Credit Card offers generous rewards on dining and grocery spending, there’s simply no reason to choose this card over the Capital One SavorOne when the SavorOne also earns rewards on entertainment spending. If you ever leave your house, you’d earn more cash back with the SavorOn...

- Robin Saks Frankel, Forbes

The TD Bank Cash Credit Card is a good credit card that’s worthwhile for people with good credit scores because it has a $0 annual fee, solid ongoing rewards, and a $150 initial bonus that’s easy to get. The card is especially good if dining and grocery stores are among your biggest spending categor...

- John S Kiernan, WalletHub


Interest Rates
Regular APR Interest Rate 17.99% ‐ 27.99% (Variable)

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

Balance Transfer Interest Rate 17.99% ‐ 27.99% (Variable) (0% for the first 12 months)

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

Cash Advance Interest Rate 28.24% (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 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus $150 after spending $500

On purchases within the first 3 months.

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 No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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