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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
Annual Fee $0
Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 700 - 850
Rewards Rates
  • 1% on Every Purchase
  • 2% on Groceries
  • 3% on Restaurants

TD Cash Credit Card Review

TD Cash Credit Card is a cashback credit card issued by TD Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of TD Cash Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • TD Cash Credit Card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • Does not include many credit card rewards.
  • Is there a TD Cash Credit Card cash back or 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.

    TD Cash Credit Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 3%
    Annual rewards limit N/A
    Signup Bonus ($) $200
    Signup Bonus Spend Requirement $500
    Signup Bonus Spend Period (months) 3 months

    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?

    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 does not offer an introductory rate on new purchases.
    TD Cash Credit Card Balance Transfers
    Description
    Balance Transfer APR 14.99% - 24.99%
    Introductory Rate 0%
    Intro APR period (months) 12
    TD Cash Credit Card Rates & Terms
    Description
    Balance Computation Average Daily Balance (including Current Transactions)
    Purchase APR 14.99% - 24.99%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 27.24%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the TD Cash Credit Card fees?

    The following fees apply to TD Cash Credit Card:

    TD Cash Credit Card Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    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

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    Annual Fee $0
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $37
    Minimum Interest Charge $1
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Cashback
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Bonus Rewards Earn $200 Cash Back when you spend $500 within 90 days after account opening
    Rewards Rates
    • 1% on Every Purchase
    • 2% on Groceries
    • 3% on Restaurants
    Signup Bonus $200
    Cash Advance APR (Variable APR) 27.24%
    Purchase APR (Variable APR) 14.99% - 24.99%
    Balance Computation Average Daily Balance (including Current Transactions)
    Balance Transfer APR (Variable APR) 14.99% - 24.99%
    Intro APR period 12
    Introductory Rate 0%

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