TD Cash Credit Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) |
16.49% - 26.49% (Verified 09/07/2022) |
| Balance Transfer APR (Variable APR) |
16.49% - 26.49% (Verified 09/07/2022) |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
TD Cash Credit Card Review
This is a cashback card issued by TD Bank. If you're wondering whether TD Bank credit card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get 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.
- Earn $150 Cash Back when you spend $500 within 90 days after account opening.
- Competitive APRs. TD Cash Credit Card has a variable purchase APR that ranges from 16.49% up to 26.49%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, 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 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of TD Bank credit card
| The Good | The Bad |
|---|---|
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TD Bank credit card FAQ
Does TD Bank credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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 Bank credit card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for TD Bank credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance.TD Cash Credit Card has a variable purchase APR that ranges from 16.49% up to 26.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 26.49%. It also has a variable cash advance APR of 26.74% .
Does TD Bank credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 16.49% - 26.49% |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
Does TD Bank credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for TD Bank credit card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does TD Bank credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for TD Bank credit card?
The TD Bank credit card customer service number is (833) 259-5980.
What is the support contact email for TD Bank credit card?
The support contact email for TD Bank credit card is customer.service@td.com.
What is the TD Bank credit card login page?
You can access the TD Bank credit card login page here.
How do people rate the customer service and user experience of TD Bank credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TD Cash Credit Card report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply for TD Bank credit card
- Visit the TD Bank 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
2035 Limestone Road
Wilmington, DE 19808 USA - (833) 259-5980
- Visit Site
- Email Support
Other Services by TD Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Foreign Currency Transaction Fee | 0% |
| No Annual Fee | |
| No Foreign Transaction Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $40 |
| Late Fee Amount | Up to $40 |
TD Cash Credit Card Community Reviews
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