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Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
The no-annual-fee TD Cash Credit Card is a simple cashback card with a focus on dining and groceries. It also has a solid signup bonus which is easy to get. And you get to enjoy a long intro APR period on balance transfers.
Cash back. Earn 3% back on dining, 2% back at grocery stores and 1% back on everything else you buy.
Signup bonus. Get a $200 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.
How much cashback rewards can I earn with the TD Cash Credit Card?
Where you spend:
The amount you spend:
Cash back earned:
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.
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Intro APR period on balance transfers. Get a 0% intro APR period on balance transfers for the first 12 billing cycles following your account opening. Once the intro period passes, your APR reverts to a variable 14.99%, 19.99% or 24.99%.
No foreign transaction fee. Use your card freely when traveling abroad and you won’t pay any fees for foreign transactions. Similar cards have fees up to 3% of each transaction.
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
No intro APR on purchases. You only get an intro APR on balance transfers. Consider other 0% intro APR cards if you’re looking to make a large purchase and carry the balance interest free.
Potentially high APR. Depending on your creditworthiness, you could get a variable APR in the higher end of 24.99%.
Compare cashback credit cards
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.
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.
What type of Visa card will I get?
The type of Visa card you get depends on your approved credit line.
Visa Platinum — if your approved credit line is less than $5,000.
Visa Signature — if your approved credit line is $5,000 or greater.
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.
What do customers say about the TD Cash Credit Card?
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.
Yes, you need to reach a minimum of 2,500 points, worth $25, to redeem.
Yes, when you spend $500 in the first 90 days of your account opening you’ll get $200 cash back.
Images: TD bank
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