TD Cash Credit Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

Customize your top two spend categories while still earning 1% Cash Back on all other eligible purchases with the TD Cash Credit Card. Plus, enjoy a lengthy intro APR on purchases and balance transfers with no annual fee.

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Rates & Fees

TD Cash Credit Card

4.5 BCC Score

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on TD Bank's secure site

Welcome Offer

$200 Cash Back when you spend $1,000 within the first 90 days after opening your account.

Rewards Rate

Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases.

Intro APR

0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness and 0% introductory APR for first 15 billing cycles after account opening. After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness, then 18.49%, 23.49% or 28.49% variable APR based on your credit worthiness.

Annual Fee

No annual fee

Credit Score Needed

Good, Excellent

Card Brand

Visa

NEW AND IMPROVED: 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness.
Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on other purchases.
Visa benefits - Get Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply.
Instant credit card replacement - If your card is lost or stolen, get an immediate replacement at a TD Bank
Visa Zero Liability - Enjoy Visa security on purchases, plus protection against unauthorized charges
Contactless Payments / Digital Wallet
No annual fee
Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
*Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and program details.

Pros

This card offers customizable 3% and 2% cash back categories to best fit your spending habits
Unlimited 1% Cash Back on all other eligible purchases
Over a year-long intro APR on purchases and balance transfers

Cons

There is a balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
This card has a foreign transaction fee of 3% of each transaction in U.S. dollars

OUR EXPERT REVIEW

Why We Like It

The TD Cash Credit Card is a solid rewards card, especially for those looking to maximize cash back. Earn 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases. Categories include dining, entertainment, gas, groceries, and travel, but will default to 3% back on dining and 2% at grocery stores. But the cash back doesn’t stop there; new cardholders can earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account. That’s a 20% return on your first $1,000!

The TD Cash Credit Card also offers a 0% intro APR* on balance transfers and purchases for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. That means cardholders have over a year to pay down debt without accruing additional interest.

Additionally, this card comes with Visa benefits like emergency card replacement, roadside assistance & cell phone protection when you pay your monthly mobile bill with your card. Terms apply. You’ll also be protected against unauthorized charges with Visa’s Zero Liability policy. From exceptional cash back opportunities to a generous intro APR on balance transfers and purchases to built-in Visa benefits, this no-annual-fee card is a great option for savvy spenders looking to get more out of their everyday purchases.

Pros & Cons

Pros

This card offers customizable 3% and 2% cash back categories to best fit your spending habits
Unlimited 1% Cash Back on all other eligible purchases
Over a year-long intro APR on purchases and balance transfers

Cons

There is a balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
This card has a foreign transaction fee of 3% of each transaction in U.S. dollars