Last Updated: 07/28/2025
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
16.49% - 26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
16.49% - 26.49%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
TD Cash Credit Card Review
This 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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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.
- APRs: TD Cash Credit Card has a variable regular 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.
- A 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of TD Bank credit card
| The Good | The Bad |
|
|
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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.49% - 26.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for TD Bank credit card 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.
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 to the following credit bureaus:
- 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 build your credit.
Does TD Bank perform a hard credit pull?
Yes, TD Bank credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TD Bank credit card
- Visit the website of TD Bank credit card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by TD Bank
Business Loans
Rating not yet determined (1 Review)
Business Credit Cards
Be the first to rate
Brokerages
16
4
20 Reviews
Auto Loans
35
38 Reviews
Personal Lines of Credit
Rating not yet determined (1 Review)
Personal Loans
Rating not yet determined (1 Review)
Other Credit Cards from TD Bank
Purchase APR
25.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
640 - 750
300
850
Annual Fee
$0
Purchase APR
28.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
N/A
Rating not yet determined
Purchase APR
27.74%
Disclaimer popup with additional information
Balance Transfer APR
27.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$29
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
690 - 850
300
850
Annual Fee
$120 - $240
Rating not yet determined
Purchase APR
16.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
14.74%
Disclaimer popup with additional information
Balance Transfer APR
14.74%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$89
Rating not yet determined
Purchase APR
18.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
TD Cash Credit Card Community Reviews
Would you recommend TD Cash Credit Card to your friends?
Mayling M.
Sep 12, 2022
May or may not recommend
I have had the TD Cash Credit Card for about 7-8 years. The points add up quickly if you make sure to use it for qualifying purchases. As of today, I have not had any issues with the card or the service. I have been able to redeem my cash for either travel, shopping or just as a statement credit. I would recommend as an every day use card since ...Show More
Showing 1 of 1 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
