- $150 Cash Back when you spend $500 in first 90 days
- 2% Cash Back on dining, 1% Cash Back on everything else
- 0% Intro APR on Balance Transfers for first 12 billing cycles
- $0 Annual fee
- Credit Needed: Fair, Good, Excellent
- View Terms
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.
$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
We recommend you have Fair to Excellent (650 - 850) credit before applying for this card.
There's no limit to how many Cash Back rewards you could earn which is great!
There is a balance transfer fee of 4% or $10, whichever is greater, so we don't recommend transferring high amounts of debt to this card.
Additional benefits include:
- Free VantageScore®
- Fraud Protection
- TD CreditView℠: provided through TransUnion, get free access to monitor your credit in online portal
If you're approved for a credit line for $5,000 or higher, you'll receive a Signature Visa card that comes with additional benefits including complimentary 24/7 concierge, access to exclusive events, exclusive shopping perks and more. If your approved credit line is less than $5k, you'll receive a Platinum Visa card.
|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%|
|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|
|Credit Needed||Fair, Good, Excellent|
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