The TD Cash Credit Card is designed for those who love rewards and value simplicity. Whether you’re dining out, stocking up on groceries, or handling everyday expenses, this card ensures that every purchase earns you cashback—without any complicated point systems or restrictions. Plus, with no annual fee, you get to maximize your rewards without worrying about extra costs.
Beyond its generous cashback structure, this card offers flexible redemption options, security features, and valuable perks that make managing your finances effortless. If you want a credit card that rewards your lifestyle and helps you earn on every dollar spent, the TD Cash Credit Card is an excellent choice!
Benefits of the TD Cash Credit Card
1. Unlimited Cashback on Dining
Select your top two spending categories and enjoy unlimited 3% and 2% cash back on purchases that matter most to you!
2. Generous Grocery Rewards
Earn 2% cashback on grocery store purchases, helping you save on essential household expenses. From fresh produce to pantry staples, every trip to the supermarket contributes to your cashback earnings.
3. 1% Cashback on All Other Purchases
For everything else, enjoy 1% cashback on all purchases, ensuring that no transaction goes unrewarded. Whether it’s shopping, gas, entertainment, or travel, you continue earning with every swipe.
4. No Annual Fee
Unlike many cashback cards, the TD Cash Credit Card has no annual fee, allowing you to maximize your earnings without worrying about additional costs.
5. 0% Introductory APR on Purchases and Balance Transfers
Take advantage of 0% introductory APR for the first 15 billing cycles on purchases and balance transfers, making it easier to manage big expenses or consolidate debt.
6. Flexible Redemption Options
Your cashback rewards can be redeemed in multiple ways—statement credits, direct deposits, or even gift cards—giving you the flexibility to use them as you see fit.
7. Contactless Payment Convenience
Pay faster and more securely with tap-to-pay technology, allowing you to make quick transactions without swiping or inserting your card.
8. Visa Zero Liability Protection
Enjoy peace of mind knowing that you won’t be held responsible for unauthorized transactions, ensuring your account remains secure.
9. Fraud Alerts and Security Features
Get real-time alerts for suspicious activity and take control of your account through advanced fraud protection measures.
10. Mobile Wallet Compatibility
Easily add your TD Cash Credit Card to Apple Pay, Google Pay, and Samsung Pay for seamless digital transactions on the go.
11. Flexible Payment Options
Choose from multiple payment plans, whether you want to pay off your balance in full or opt for smaller monthly payments.
12. Exclusive TD Bank Perks
Enjoy early access to exclusive events, ticket presales, and special promotions, making this card more than just a financial tool—it’s a lifestyle upgrade.
Who Can Apply?
To be eligible for the TD Cash Credit Card, applicants must meet the following criteria:
- Age: Must be at least 18 years old (or the age of majority in your state).
- Residency: Must be a U.S. resident.
- Credit Score: A good to excellent credit score (typically 670 or higher) improves approval chances.
- Income Requirement: Must meet TD Bank’s minimum income criteria.
- Valid Social Security Number: Required for identity verification.
- U.S. Bank Account (Optional but Recommended): Having a TD Bank account may help streamline payments and rewards redemption.
How to Apply
- Visit the TD Bank Website: Navigate to the TD Cash Credit Card page.
- Click “Apply Now”: Begin the online application process.
- Enter Your Personal Details: Provide your name, address, date of birth, and Social Security Number.
- Provide Employment & Income Information: Enter your annual income and employment details.
- Agree to Terms & Submit: Review your application, agree to the terms, and submit your request.
- Wait for Approval: Many applications receive instant decisions, while some may require additional review.
Frequently Asked Questions
Can I use the card internationally?
Yes, the TD Cash Credit Card is accepted worldwide wherever Visa is accepted.
How can I redeem my cashback?
You can redeem cashback as a statement credit, direct deposit, or gift card.
Can I add an authorized user?
Yes, you can add an additional cardholder at no extra cost.
How do I check my cashback balance?
Log into TD Bank’s online banking or mobile app to track your cashback balance.
