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on TD Bank's secure website.
  • $150 Cash Back when you spend $500 in first 90 days
  • 2% Cash Back on dining, 1% Cash Back on everything else
  • 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 great no annual fee Cash Back card 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: you'll earn 15,000 Bonus Rewards (equal to $150 Cash Back) when you spend $500 within the first 90 days after account opening! This is a sign-up bonus with one of the lowest spending requirements offered by a cash back card! This offer ends April 30, 2017 so hurry!

Insider Tip: As a TD Bank cardholder you can buy Visa gift cards directly from TD Bank for no fees to purchase and make transactions. Normally you are charged a $5.95 fee for a $100 Visa gift card when you buy from a retail store or website! You can use your TD credit card to buy the gift cards.

It also carries a generous 0% intro APR on balance transfers for the first 12 billing cycles after account opening.

Bonus Offer

$150 Cash Back after making $500 in purchases within first 90 days of account opening


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 CreditViewâ„ : 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.

Card Details

Purchase Intro APR N/A;
Balance Transfer Intro APR 0%* for 12 billing cycles after account opening
APR 13.49%, 18.49% or 23.49%* variable APR based on your creditworthiness
Annual Fee $0
Rewards Rate Up to 2% Cash Back
Rewards Rate Details Rewards can be 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

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