TD Cash Credit Card
on TD Bank's website
TD Cash Credit Card
Card details
Earn 5% Cash Back on grocery purchases for 6 months or up to $6,000 in spend.
Bonus Cash Back: Earn $150 Cash Back when you spend $500 within 90 days after account opening.
Choose your top two spend categories to earn unlimited 3% and 2% Cash Back.
Earn unlimited 1% Cash Back on all other purchases.
Switch spend categories up to four times a year.
No annual fee
Contactless Payments/Digital Wallet
Instant credit card replacement
Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
Rates, fees & offers
Annual fee
$0
Rewards rate
1%-5%
Bonus offer
Earn $150 Cash Back when you spend $500 within 90 days after account opening.
Intro APR
0% intro APR on Balance Transfers for the first 12 billing cycles.
Ongoing APR
APR: 20.24%, 25.24% or 30.24%, Variable
Cash Advance APR: 30.49%, Variable
Balance transfer fee
Either $5 or 3% of the amount of each transfer, whichever is greater
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APRSee Terms | ||
Intro APR0% intro APR on Balance Transfers for the first 12 billing cycles. | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%, 25.24%, or 29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
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Rating details
4
Editor's overall rating
Pros and cons
Pros
No annual fee
New cardholder bonus offer
Intro APR period
Bonus categories
Flexible rewards redemption
Cons
Limited availability
The TD Cash Credit Card can be rewarding no matter how you spend your money, because you get to choose what spending categories earn heightened rewards.
The $0-annual-fee card also comes with a rich sign-up bonus: Earn $150 Cash Back when you spend $500 within 90 days after account opening.
However, there are geographic limitations when it comes to who can get the card.
For more information, see NerdWallet's review of this card.
