TD Cash Credit Card review

How to apply for the TD Cash Credit Card

1. Click Apply now.
2. If you have a TD Bank account, log in to speed up the application process. If not, fill out the application form.
3. Review your information and submit.

How long will it take to get my TD Cash Credit Card?

Once you apply, expect your decision to arrive within seven to 10 days by mail. If approved, you’ll also get your credit card and welcome information alongside your decision.

The perks

• Cash back. Earn 3% back on dining, 2% back at grocery stores and 1% back on everything else you buy.
• Signup bonus. Get a $150 cash bonus once you spend $500 on purchases during your first 90 days of card membership. This is one of the highest bonuses that you can get with this type of card. Competitor cards often have a bonus between $100 and $150.
• No annual fee. You won’t pay an annual fee to own the card.

You’ll also like …

• Intro APR period on purchases and balance transfers. Get a 0% intro APR period on balance transfers for the first 15 billing cycles following your account opening. You’ll also get an intro APR on purchases for the first 6 billing cycles. Once the intro periods pass, your APR reverts to a variable 12.99%, 17.99% or 22.99%.
• No penalty APR. For late payments, you’ll only pay up to a $37 fee. With other cards, a single late payment is enough to set you up with a penalty APR of up to 31%, which lasts indefinitely.
• Digital wallet. Simplify your payments by adding your card to your mobile device with services like Apple Pay, Samsung Pay and others.
• Security features. Get zero liability for unauthorized purchases, a hard-to-counterfeit chip card and instant card replacement in case of loss or theft.

What to watch out for

• Not available in all states. Unfortunately, if you live in a state without a TD Bank branch, you won’t be able to apply for the card.
• Potentially high APR. Depending on your creditworthiness, you could get a variable APR in the higher end of 22.99%.

Compare cashback credit cards

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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Preferred® Card from American Express		Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)	$0 intro annual fee for the first year ($95 thereafter)		Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express		Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months	3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)	$0		Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
Citi Custom Cash℠ Card		$200 cash back after spending $750 in the first 3 months. Fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back	5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases	$0		A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).	Apply now View details	Compare	loading Fetching your data...

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What should I know before I apply?

You must be at least 18 years old, a US resident and to live in a state with a TD Bank.

• Which states can I find a TD Bank?

  • Connecticut
  • Delaware
  • Florida
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York

  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Vermont
  • Virginia
  • Washington, DC

When you fill out your application, you’ll need to provide:

• Your full name and contact information.
• Residential address and mortgage or rent amount.
• Date of birth and Social Security number.
• Annual income and source of income.

What credit score do I need?

You can apply with a good credit score. To increase your chances of approval, apply with a good to excellent credit score of 680 or higher.

TD Cash Credit Card reviews and complaints.

Customers love the size of the signup bonus and how easy it is to get. They also like the cashback rate on dining and that the card has no annual fee. Those that don’t like the card claim they get higher cashback rates with other cards.

As of October 2020, TD Bank is unrated by the Better Business Bureau and not accredited.

I got the card. Now what?

• Download TD Bank (US) mobile app. Use it to pay your bills, send money to family and friends, monitor your balances and more.
• Enroll in digital wallet. Enroll in Apple Pay, Samsung Pay, Google Pay, Microsoft Pay or Visa checkout and simplify your payments with a single tap.
• Avoid interest and fees. Your due date is 25 days after the close of each billing cycle. Make sure you pay your balance by then to avoid paying late payment fees and interest.
• Customer service. If you need help or have questions, call 888-751-9000.

Bottom line

If you mostly spend on dining and groceries, the TD Cash Credit Card can be a good choice. In addition to cash back, you get a generous signup bonus and a long intro APR period on balance transfers.

But if you’re looking to get higher cashback rate on dining or on grocery purchases, you can check out other cashback credit cards to find the right card for your financial habits.

Frequently asked questions.

• Does this card have an annual fee?

  No, there’s no annual fee to own the card.

• Is there a minimum cash back redemption threshold?

  Yes, you need to reach a minimum of 2,500 points, worth $25, to redeem.

• Does the card have a signup offer?

  Yes, when you spend $500 in the first 90 days of your account opening you’ll get $150 cash back.