TD Cash Credit Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
- Top Rate
- 3%
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
Welcome Offer
Bonus: $200 cash back
Spend: $1,000
Period: 3 months
Earning Rates
- 3%
Top Spend Category
Choose one category (dining, entertainment, gas, grocery, or travel) to earn 3%
- 3%
Dining
Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
- 3%
Entertainment
Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
- 3%
Gas Stations
Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
- 3%
Grocery Stores
Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
- 3%
Travel
Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
- 2%
Top Spend Category
Choose one category (dining, entertainment, gas, grocery, or travel) to earn 2%
- 1%
All Other
1% on all other purchases
Benefits & Perks
Insurance & Protections
8 protectionsExtended warranty adds up to 1 year
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Car rental benefits
Enjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget.
Cell phone protection
Get reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Up to $3,000 lost luggage coverage per trip
$3,000
secondary
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
$500 per claim on theft or damage
$500
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Show all 8 protectionsShow fewer protections
Roadside Dispatch®
Access 24/7 roadside service with this pay-per-use program
Travel and emergency assistance services
A single phone call gets you the help that you need anywhere in the world
Emergency card replacement
If your card is lost or stolen, you can get an emergency replacement card sent immediately
Dining Out
3% cash back at restaurants
if dining is your chosen category
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Cash Back Rewards
Reviews & Analysis
Pros and Cons
Pros
- +Customizable categories with 3% on one and 2% on another
- +No annual fee
- +$200 welcome bonus with $1,000 spend requirement
- +0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- +Cell phone protection included
- +Extended warranty protection
- +Can change categories quarterly to optimize rewards
Cons
- -Only available to residents of 16 East Coast states
- -3% foreign transaction fee
- -Must remember to optimize category selections
- -Only 1% on purchases outside chosen categories
- -Regional bank limits branch availability
- -Balance transfers must be made within the first 90 days of account opening to get the 0% intro APR
Who It's Best For
Best For
- Cardholders who want to customize bonus categories to match their spending
- Those with concentrated spending in one or two categories
- TD Bank customers in eligible East Coast states
- Balance transfers within 90 days of opening, with 0% intro APR for 15 billing cycles
- Flexible spenders whose top categories change over time
Not Ideal For
- Residents outside TD Bank's 16-state service area
- Those who prefer set-it-and-forget-it rewards
- International travelers (3% foreign transaction fee)
- Cardholders seeking flat-rate simplicity
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Card Family
Td Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Td Double Up | mid | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| TD Bank Official | — | TD Bank Official |
| Usnews Review | — | Usnews Review |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| RewardsCC API | — | RewardsCC API |
| TD Bank Official | — | TD Bank Official: Apr.balance transfer |
| TD Bank Official | — | TD Bank Official: Apr.purchase |
| TD Bank Official | — | TD Bank Official: Welcome offer |
| TD Bank Official | TD Bank Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
