Get a no-annual-fee card that also comes with accelerated cash back.
Unlike other card issuers that usually offer several no-annual-fee credit card options, TD Bank has only one: the TD Cash Credit Card. This card comes with accelerated cash back on dining and groceries, and it has a generous signup bonus that is easy to claim.
Compare similar credit cards with no annual fee
How to compare similar credit cards
When considering whether the no-annual-fee TD Cash Credit Card could be a better choice than its competitors, ask yourself:
- Is the signup bonus important for you?
The TD Cash Credit Card comes with a generous signup bonus of $200 when you spend $500 in the first 90 days of card membership. Wells Fargo Propel American Express® Card is the only card that offers a higher signup bonus. You can earn $300 if you spend $3,000 within your first 3 months of card membership.
- Do you want other cash back categories?
You can earn 2% cash back on groceries with the TD Cash Credit Card and with the SavorOne℠ Rewards from Capital One®. The Wells Fargo Propel American Express® Card does not offer rewards on groceries but offers 3x points — equal to 3% cash back — on a variety of categories such as gas, rideshares, transit, travel purchases and on popular streaming services.
- Do you want a 0% intro APR on balance transfers?
The SavorOne℠ Rewards from Capital One® card offers the longest intro APR period on balance transfers, while the Marvel Mastercard® doesn’t offer any intro APR period.
- Do you want a 0% intro APR on purchases?
The SavorOne℠ Rewards from Capital One® also has the longest intro APR period on purchases, while the TD Cash Credit Card, the U.S. Bank Cash+™ Visa Signature® Card and the Marvel Mastercard® have no intro APR period on purchases.
Will I earn more rewards if I pay an annual fee?
TD Bank offers two cards with an annual fee:
- TD Cash Secured Credit Card
- TD First Class℠ Visa Signature® Credit Card
The secured card is similar to the no-annual-fee cashback card as it earns the same rewards on dining and groceries. The TD First Class℠ Visa Signature® Credit Card offers a higher signup bonus and an additional 3x points on travel purchases.
TD Bank offers only one no-annual-fee credit card that lets you earn accelerated cash back on dining and groceries. It also offers a generous signup bonus and a long intro APR period on balance transfers.
However, if you don’t find this card appealing, look for other credit cards to compare your options.