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TD Cash Credit Card

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Rating

4.3/5

Choose your top two spend categories to earn unlimited 3% and 2% Cash Back. Earn unlimited 1% Cash Back on all other eligible purchases.

Welcome Offer
Special offer: Earn $200 Cash Back
Regular APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness
Credit Score Needed
Excellent, Good

The TD Cash Credit Card offers a customizable cash back program with no annual fee, making it an attractive option for those who want to tailor their rewards to their spending habits. This card allows cardholders to choose their top two spending categories for elevated cash back rates.

Key Features:

  • Annual Fee: $0
  • Welcome Bonus: Limited Time Offer: Earn 5% Cash Back on gas with the TD Cash Credit Card plus a $150 Cash Back bonus
  • Rewards Rate:
    • 3% cash back on your choice of category
    • 2% cash back on your choice of a second category
    • 1% cash back on all other purchases
  • Intro APR: 0% intro APR on balance transfers for 15 billing cycles (variable APR of 19.74% - 29.74% after that)
  • Foreign Transaction Fee: 3%

Rewards and Redemption: The TD Cash Credit Card's rewards program is designed to be flexible and customizable

Earning Cash Back: Cardholders can choose their 3% and 2% cash back categories from options including dining, entertainment, gas, groceries, and travel
Category Selection: You can change your bonus categories up to four times per year
Redemption Options: Cash back can be redeemed as a statement credit or deposited into a TD Bank account

Cash back doesn't expire as long as your account remains open and in good standing.Additional Perks:
While not primarily a travel card, the TD Cash Credit Card offers some useful benefits:

  • Visa Signature benefits (for those who qualify)
  • Cell phone protection when you pay your monthly bill with the card
  • Extended warranty protection on eligible purchases

Who Should Get This Card?

The TD Cash Credit Card is ideal for:

  • Those who want to customize their rewards categories
  • People who prefer cash back over travel rewards
  • Consumers looking for a no-annual-fee card with solid earning potential
  • Those who frequently spend in the available bonus categories

The TD Cash Credit Card offers a compelling rewards rate with the flexibility to choose your top earning categories. Its customizable nature makes it stand out from fixed-category cards. However, it's important to note that the card is only available in certain East Coast states, limiting its accessibility. The foreign transaction fee also makes it less suitable for international use.

Despite these limitations, the TD Cash Credit Card provides a solid cash-back earning opportunity, with the added benefit of tailoring rewards to their spending habits.

Pros

  • Customizable reward categories: Choose your 3% and 2% cash back categories from options like dining, entertainment, gas, groceries, and travel, which you can change up to four times per year

  • Cell phone protection: Receive coverage against damage or theft when you pay your monthly cell phone bill with the card, providing added security for your device

  • TD Bank account integration: Cash back can be directly deposited into a TD Bank account, offering seamless rewards management for existing TD Bank customers

Cons

  • Limited availability: The card is only offered in select East Coast states, restricting access for potential applicants outside these areas

  • Category selection required: Cardholders must actively choose their bonus categories to maximize rewards, which may be inconvenient for those who prefer automatic reward structures

  • No bonus rewards on TD Bank services: Unlike competing bank-issued cards, this card doesn't offer elevated rewards for using other TD Bank products or services

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TD Cash Credit Card

Logo

Rating

4.3/5
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