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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 billing cycles
  • $0 Annual fee
  • Credit Needed: Fair, Good, Excellent
  • 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 August 31, 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

Get an introductory APR rate of 0% for balance transfers for first 12 billing cycles from the date of account opening


About

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

Intro Purchase APR N/A
Intro Balance Transfer APR 0%* for 12 billing cycles after account opening
Foreign Transaction Fee 0%
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
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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