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$200
Welcome offer
Up to 3%
Cash back
$0
Annual fee
14.74%, 19.74% or 24.74%
Purchase APR (variable)
| Product Name | TD Cash Credit Card |
|---|---|
| Card type | Visa |
| Annual fee | $0 |
| Purchase APR | 14.74%, 19.74% or 24.74% variable |
| Balance transfer APR | 0% intro for the first 12 billing cycles (then 14.74%, 19.74% or 24.74% variable) |
| Balance transfer fee | $5 or 3% of the transaction, whichever is greater |
| Cash advance rate | 26.99% variable |
| Cash advance fee | $10 or 5% of the cash advance amount, whichever is greater |
| Foreign transaction fee | None |
| Interest free period | Up to 25 days |
| Late payment fee | Up to $37 |
| Returned payment fee | Up to $37 |
Review by
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
The TD Cash Credit Card could be an excellent addition to your wallet if you often dine out. With a generous signup bonus of $200 and 3% cash back on dining, the card ranks high among this type of cards. Especially with a $0 annual fee.
If you’re looking to make a balance transfer and save money on interest, you get 12 months of 0% intro APR period. However, compared to similar cards with rewards on dining, the intro APR period is short and it lacks an intro APR period on purchases, a common feature among cashback cards.
Consider whether a lack of an intro APR period on purchases would be a deal-breaker for you. If not, the TD Cash Credit Card could be worth considering.
| Where you spend: | The amount you spend: | Cash back earned: |
|---|---|---|
| Dining | $4,000 | $120 |
| Groceries | $3,000 | $60 |
| Everything else | $7,000 | $70 |
| Total | $14,000 | $250 |
Let’s say your annual spending resembles our example. In such scenario, you would earn $250. And if you clear the signup bonus, you would get a total of $450 for the first year.
You must be at least 18 years old, a US resident and to live in a state with a TD Bank.
When you fill out your application, you’ll need to provide:
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.
The type of Visa card you get depends on your approved credit line.
With the Visa Signature card you get benefits like concierge services, special shopping perks and more. This is the only difference between the two cards.
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.
The Better Business Bureau rates TD Bank with an A+. Also, the bank has been accredited by the BBB since 2002.
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.
With the TD Cash Credit Card you earn points that you can redeem for cash back, gift cards, travel or merchandise.
Once you have at least 2,500 points, worth $25 in cash back, you can redeem them by logging in to your tdcardservices.com account or calling 888-561-8861.
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.