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  TD Cash Credit Card

TD Cash Credit Card

in Personal Credit Cards from TD Bank

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TD Cash Credit Card

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in Personal Credit Cards from TD Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 14.99% - 24.99%
Rewards Rates
  • Every Purchase
  • Groceries
  • Restaurants

TD Cash Credit Card Review

TD Cash Credit Card is a cashback credit card issued by TD Bank. If you're wondering whether TD Cash Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of up to 3x.
  • Earn a rewards rate of up to 3x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Signup bonus. Offers a signup bonus of $200 if you spend $500 within 3 months.
  • Competitive APRs. TD Cash Credit Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. TD Cash Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

TD Cash Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • TD Cash Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.

Is there a TD Cash Credit Card cash back or rewards program?

No, TD Cash Credit Card does not offer a rewards program. TD Cash Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With TD Cash Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

What are the TD Cash Credit Card benefits?

TD Cash Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for TD Cash Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. TD Cash Credit Card has lower than average purchase APRs.

TD Cash Credit Card has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR of 27.24% .

Does TD Cash Credit Card have an introductory APR offer on balance transfers?

Yes, TD Cash Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

TD Cash Credit Card Balance Transfers
Description
Balance Transfer APR 14.99% - 24.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5

Does TD Cash Credit Card have an introductory APR offer on new purchases?

TD Cash Credit Card does not offer an introductory rate on new purchases.
TD Cash Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for TD Cash Credit Card?

The following fees apply to TD Cash Credit Card:

TD Cash Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee up to $37
Late Payment Fee up to $37

Does TD Cash Credit Card have a foreign transaction fee?

TD Cash Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does TD Cash Credit Card report your account activity to credit bureaus?

TD Cash Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for TD Cash Credit Card

  • Visit the TD Cash Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 3% Cash Back on dining. Earn 2% Cash Back at grocery stores. Earn 1% Cash Back on all other eligible purchases
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits Fraud Liability
Bonus Rewards Earn $200 Cash Back when you spend $500 within 90 days after account opening
Rewards Rates
  • Every Purchase
  • Groceries
  • Restaurants
Signup Bonus $200
Cash Advance APR (Variable APR) 27.24%
Balance Computation Average Daily Balance (including Current Transactions)
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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