- Up to 2% Cash Back
- $150 Cash Back Signup Bonus
- 0% Intro APR on Balance Transfers for first 12 months
- $0 Annual fee
- View Terms
Why We Like It
The TD Cash Credit Card is a solid, no annual fee Cash Back choice if you dine out often.
Earn 2% Cash Back on dining purchases including at coffee shops, restaurants, cafes, and even fast food. Plus 1% Cash Back on everything else. If you spend $500 on dining per month, that's $120 Cash Back every year!
Limited-Time Bonus: Get $150 Cash Back when you spend $500 within the first 90 days! This is a sign-up bonus with one of the lowest spending requirements offered by a cash back card!
It also carries a generous 0% intro APR on balance transfers for the first 12 months.
$150 Cash Back Bonus if you spend $500 within first three months
We recommend you have Fair to Excellent (650 - 850) credit before applying for this card.
There's no limit to how many Cash Back rewards you could earn which is great!
There is a balance transfer fee of 4% or $10, whichever is greater, so we don't recommend transferring high amounts of debt to this card.
Additional benefits include:
- Free VantageScore®
- Fraud Protection
- TD CreditView℠: provided through TransUnion, get free access to monitor your credit in online portal
If you're approved for a credit line for $5,000 or higher, you'll receive a Signature Visa card that comes with additional benefits including complimentary 24/7 concierge, access to exclusive events, exclusive shopping perks and more. If your approved credit line is less than $5k, you'll receive a Platinum Visa card.
|Purchase Intro APR||N/A; 0%* for 12 months on balance transfers from account opening|
|Purchase APR||13.24%–23.24%* variable APR based on your creditworthiness; same for balance transfer after intro period ends|
|Rewards Rate||Up to 2% Cash Back|
|Rewards Rate Details||Cash Back Rewards is redeemed for cash, gift cards, travel, or even merchandise through TD Bank's portal|
|Foreign Transaction Fee||0%|
|Credit Needed||Fair, Good, Excellent|
Thoughts from Actual Users
"I found this card very good for a first credit card. I had little credit, opened up a secured credit card with $2,000. This set my limit to $2000 after a year it transferred to the normal version of the credit card (still the same rates, just got my $2000 back) the TD Rewards are decent. Over a year i just cashed in 44 dollars for cash back which isnt bad." Dan D. of White Plains, NY
"Thought I was denied. I applied and didn't get the instant approval. Then to my suprise, I logged into my TD checking account and saw a new credit card!" Whitney F. of Sacramento, CA
"Compared to other cash back cards I liked the TD Cash Card because they only pulled my credit score from one bureau, Experian, not all 3 like Capital One. Happy about that. Glad I was approved for over $5,000 and got more perks." Tom S. of Park City, UT