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on TD Bank's secure website.

Why We Like It

The TD Cash Credit Card is a great no annual fee Cash Back card if you dine out often.

Earn 2% Cash Back on dining purchases including at coffee shops, restaurants, cafes, and even fast food. Plus 1% Cash Back on everything else. If you spend $500 on dining per month, that's $120 Cash Back every year!

Limited-Time Bonus: you'll earn 15,000 Bonus Rewards (equal to $150 Cash Back) when you spend $500 within the first 90 days after account opening. This is a sign-up bonus with one of the lowest spending requirements offered by a cash back card. This offer ends January 31, 2018 so hurry!

Insider Tip: As a TD Bank cardholder you can buy Visa gift cards directly from TD Bank for no fees to purchase and make transactions. Normally you are charged a $5.95 fee for a $100 Visa gift card when you buy from a retail store or website! You can use your TD credit card to buy the gift cards.

It also carries a generous 0% intro APR on balance transfers for the first 12 billing cycles after account opening.

Bonus Offer

$150 Cash Back after making $500 in purchases within first 90 days of account opening

Get an introductory APR rate of 0% for balance transfers for first 12 billing cycles from the date of account opening

Credit Needed

Fair, Good, Excellent

Card Details

Purchase APR 13.99%, 18.99% or 23.99% Variable
Intro Purchase APR N/A
Balance Transfer APR 0% introductory APR for first 12 billing cycles after account opening. After that, 13.99%, 18.99% or 23.99% Variable
Intro Balance Transfer APR 0%
Intro Balance Transfer Period 12 months
Balance Transfer Fee $10 or 4% of transfer whichever amount is greater
Cash Advance APR 24.24%
Cash Advance Fee $10 or 5% of advance whichever amount is greater
Late Payment Fee Up to $35
Foreign Transaction Fee 0%
Annual Fee $0
Rewards Rate Up to 2% Cash Back
Rewards Rate Details Rewards can be redeemed for cash, gift cards, travel, or even merchandise through TD Bank's portal

Editorial Disclosure

Opinions expressed here are author's alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Thoughts from Actual Users

"I found this card very good for a first credit card. I had little credit, opened up a secured credit card with $2,000. This set my limit to $2000 after a year it transferred to the normal version of the credit card (still the same rates, just got my $2000 back) the TD Rewards are decent. Over a year i just cashed in 44 dollars for cash back which isnt bad." Dan D. of White Plains, NY

"Thought I was denied. I applied and didn't get the instant approval. Then to my suprise, I logged into my TD checking account and saw a new credit card!" Whitney F. of Sacramento, CA

"Compared to other cash back cards I liked the TD Cash Card because they only pulled my credit score from one bureau, Experian, not all 3 like Capital One. Happy about that. Glad I was approved for over $5,000 and got more perks." Tom S. of Park City, UT

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