TD Cash Credit Card Review [2025]: Customize Your Cash Back

We think the TD Cash Credit Card makes a lot of sense if you want some control over how you earn cash back, especially if your top spending category is different each quarter. With the TD Cash Credit Card, you can choose dining, entertainment, gas, grocery, and travel as Spend Categories.

We don't think the TD Cash Credit Card makes sense if you always spend the most in the same categories each quarter. If that's the case, there are other rewards credit cards available with higher rates for specific categories.

Let's jump into the details of our TD Cash Credit Card review to see if it's the right fit for you.

Key takeaways

• We recommend the TD Cash Credit Card if your highest spending categories tend to rotate each quarter. With this card, you can choose between popular Spend Categories to elevate your cashback earning potential.
• You can choose between available Spend Categories, including dining, entertainment, gas, grocery, and travel. The default Spend Categories are dining purchases and grocery stores if you don't choose anything.
• If your TD Cash Credit Card is a Visa Platinum Card, you'll have cell phone protection but not purchase protection or extended warranty coverage.

Who should get the TD Cash Credit Card card?

If you want the option to choose between different Spend Categories each quarter with elevated rates of cash back, consider the TD Cash Credit Card.

With the TD Cash Credit Card, you can earn 3% Cash Back on your choice of spend category; 2% Cash Back in your second choice of spend category; and 1% on all other eligible purchases. Available Spend Categories include dining, entertainment, gas, grocery, and travel.

Having the option to choose different Spend Categories could help you maximize your earning potential if you frequently spend higher amounts in different categories. For example, you might spend a lot on gas one quarter but more on dining the next.

If your top spending categories don't change much, you might consider a different cash back card with a higher rewards rate that aligns with your everyday purchases. In addition, if you'd prefer a rewards card that earns the same rate on all eligible spending, regardless of category, the TD Cash Credit Card isn't the card for you.

TD Cash Credit Card basics

Card type	Cash back
Credit card issuer	TD Bank
Credit card network	Visa
Annual fee	$0
Welcome offer	Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account
Intro APR	0% intro APR for 15 billing cycles on balance transfers (then 19.24%, 24.24% or 29.24% (variable))
Reward rate	3% Cash Back on your choice of spend category; 2% Cash Back in your second choice of spend category; and 1% on all other eligible purchases
Recommended credit score	Excellent, Good
Foreign transaction fee	3%

Why we like the TD Cash Credit Card: benefits and perks

• Generous welcome offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
• Customizable cash back: Earn 3% Cash Back on your choice of spend category; 2% Cash Back in your second choice of spend category; and 1% on all other eligible purchases.
• Unlimited cash back: The cash back you earn from making eligible purchases is unlimited, including on purchases in your chosen Spend Categories. This is useful because other cards with customizable categories typically set a limit on how much you can earn at elevated rates.
• $0 annual fee: There's no need to worry about an additional cost each year with a $0 annual fee.
• Intro APR offer on balance transfers: Receive 0% intro APR for 15 billing cycles on balance transfers (then 19.24%, 24.24% or 29.24% (variable)).
• Visa Platinum and Signature benefits: Take advantage of Visa benefits, such as cell phone protection and roadside dispatch. If you qualify for a Visa Signature version of the card, you could also receive certain travel and purchase protections, including car rental benefits, and Visa concierge service.

What we don't like about this card: drawbacks

• Foreign transaction fees: You have to pay 3% foreign transaction fees on applicable purchases. To avoid these fees and earn travel rewards, check out the best travel credit cards.
• Limited availability: TD Bank credit cards are only available to residents in Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.
• No intro APR offer on purchases: There's an introductory APR offer on balance transfers, but none for purchases. For more intro APR offers, check out our list of 0% intro APR credit cards.

Earning and redeeming TD Cash Credit Card rewards

Potential earnings in years one and two

Here's a look at how your rewards can add up with the TD Cash Credit Card. To calculate these values, we used a point valuation of one cent ($0.01) per point.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $885

Year two earnings: $685

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus for new cardholders, and the annual fee.

Best ways to earn

Category	Rewards rate
Your choice of spend category	3%
Your second choice of spend category	2%

The best way to earn cash back with the TD Cash Credit Card rewards program is by using the card as much as possible on purchases you already plan on making that align with the card's Spend Categories. Note that this could take a bit of extra effort on your part since you have to choose your Spend Categories each quarter.

For example, you might want to switch to gas as a Spend Category if you know you have a big road trip coming up. Or travel could be a good choice if you're about to purchase flights and hotel stays for a vacation.

Available Spend Categories include:

• Dining
• Entertainment
• Gas
• Grocery
• Travel

The default Spend Categories are dining and grocery stores (in that order) if you don't choose anything.

Maximizing your redemptions

The TD Cash Credit Card earns cashback rewards in the form of points. You can redeem your points for:

• Statement credits or direct deposits into U.S. checking or savings accounts (minimum 2,500-point redemption)
• Gift cards
• Merchandise
• Travel

Your points are worth at least one cent ($0.01) per point if redeemed for cash back (statement credits or direct deposits), gift cards, and travel. So 20,000 points could be worth $200 toward an eligible direct deposit.

Redeeming your points for merchandise could have a different redemption value, so it likely makes sense to stick to the other redemption options. Of course, this depends on your personal finance goals.

But keep in mind that redeeming your points for direct deposits essentially lets you use your rewards for whatever you want since it turns them into cash.

FAQ

Other cards to consider

The TD Cash Credit Card provides useful ways to customize how you earn cashback rewards, but you can find other cards with customizable earning rates if you compare credit cards. For example, we recommend the Citi Custom Cash^® Card and Bank of America^® Customized Cash Rewards credit card as worthy alternatives to consider.

Here's how all three cards compare:

Card	Welcome offer	Rewards rate	Annual fee
Citi Custom Cash® Card	Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back	5% cash back in your top eligible spending category each billing cycle (up to the first $500 spent, then 1% cash back), plus unlimited 1% cash back on all other purchases; plus, as a special travel offer, earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026	$0
Bank of America® Customized Cash Rewards credit card	Earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening	3% cash back in the category of your choice and 2% cash back at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and 1% on all other purchases	$0
TD Cash Credit Card	Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account	3% Cash Back on your choice of spend category; 2% Cash Back in your second choice of spend category; and 1% on all other eligible purchases	$0

The Citi Custom Cash has a spending cap on its top bonus category, but the rate is higher compared to the TD Cash Credit Card. You also have more categories to choose from, including select streaming services, drugstores, home improvement stores, and fitness clubs.

Learn more in our Citi Custom Cash Card review.

The Bank of America Customized Cash Rewards has a spending cap on its top bonus categories, but Bank of America Preferred Rewards® members could boost their cashback rewards by up to 75%. This is a unique benefit you won't find anywhere else, including on the TD Cash Credit Card.

Read our full Bank of America Customized Cash Rewards review.

Bottom line

The TD Cash Credit Card makes sense if you want some customization over your cashback rewards, and your top spending categories tend to change each quarter. We like that it doesn't have cashback limits and that you can take advantage of its cell phone protection benefit.

But you might find other rewards cards provide more value if your top spending categories don't change much. For our top cash back credit card offers, check out our list of the best cash back credit cards.