TD Cash Credit Card
4.7
4.7
MoneyAtlas
Rating
Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.
Ongoing Annual Fee
$0
Introductory Purchases APR
0% intro APR on purchases for the first 15 billing cycles after account opening
Ongoing Purchases APR
19.24%, 24.24% or 29.24% Variable
Ongoing Balance Transfer APR
19.24%, 24.24% or 29.24% Variable
Credit Score Needed
Pros
Custom rewards in two categories (3% and 2%): Choose and switch categories quarterly
0% APR intro on purchases & transfers: Offers 0% introductory rate for 15 billing cycles on both purchases and balance transfers
$200 sign‑up bonus with no annual fee: Earn $200 cash back after spending $1,000 in 90 days
Cons
Geographic restrictions: Only available in select East Coast states and D.C
3% foreign transaction fee: Not ideal for international spending due to foreign currency fees
