TD Cash Credit Card Review

Unlock exclusive rewards and enjoy flexible cashback on every purchase—TD Cash Credit Card 

The TD Cash Credit Card is designed for those who love earning rewards while making everyday purchases. Whether you enjoy dining out, shopping, or planning your next vacation, this card ensures that every dollar spent brings you closer to more savings.

With an impressive cashback program and a host of exclusive perks, this card is a game-changer for anyone looking to maximize their financial benefits. Keep reading to discover how the TD Cash Credit Card can enhance your spending experience.

CREDIT CARD

TD Cash

Earn 5% Cash Back No Annual Fee

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Maximize Rewards on Every Purchase—TD Cash Credit Card

• Generous Welcome Bonus: New cardholders can earn a $200 cash back bonus after spending just $1,000 within the first 90 days.
• Flexible Cashback on Every Transaction: Enjoy unlimited 3% cash back in your top two spending categories, allowing you to choose where you earn the most. Additionally, you receive 2% back in another category and 1% on all other purchases, ensuring consistent rewards with every swipe.
• No Annual Fee for More Savings: Unlike many rewards cards, the TD Cash Credit Card comes with no annual fee.
• 0% Introductory APR on Balance Transfers: Take advantage of a 0% introductory APR on balance transfers for the first 15 billing cycles. This feature is ideal for consolidating existing credit card debt while saving on interest. After the intro period, a variable APR between 19.49%, 24.49%, or 29.49% applies based on your creditworthiness.
• No Expiration on Cashback Rewards: Your earned cash back never expires, allowing you to accumulate and redeem your rewards at your convenience.
• Low Balance Transfer Fee: When transferring balances, you pay only $5 or 3% of the transferred amount, whichever is greater.
• Enhanced Fraud Protection: Enjoy peace of mind with advanced security features, including real-time fraud monitoring and zero liability protection.
• Seamless Digital Management: Manage your account easily through TD Bank’s mobile app and online banking.
• Worldwide Acceptance & Contactless Payments: Whether shopping locally or traveling abroad, your TD Cash Credit Card is accepted worldwide.

Qualification Requirements for the TD Cash Credit Card

• Must Be a U.S. Resident: Only individuals residing in the United States are eligible to apply for this credit card. Proof of residence may be required during the application process.
• Minimum Age Requirement: Applicants must be at least 18 years old. Some states may have additional age restrictions, so verifying eligibility in your state is recommended.
• Good to Excellent Credit Score: While TD Bank does not disclose a specific credit score requirement, applicants with good to excellent credit have a higher chance of approval and receiving the best interest rates.
• Stable Income Source: A steady source of income is required to qualify. TD Bank evaluates your ability to manage and repay credit responsibly when assessing your application.
• Valid Social Security Number: A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is necessary for identity verification and credit assessment.
• No Recent Bankruptcies: Applicants with recent bankruptcies or major delinquencies may face difficulty in getting approved. A strong credit history significantly improves approval chances.

How to Apply for the TD Cash Credit Card

• Visit the TD Bank Website: Begin your application by navigating to TD Bank’s official website.
• Provide Personal Information: Fill out the application form with your full name, address, date of birth, and Social Security Number.
• Submit Employment & Income Details: TD Bank requires details about your employment and income to determine your creditworthiness.
• Review and Accept Terms: Before submitting your application, carefully review the card’s terms and conditions.
• Submit Your Application: Once all details are filled in, submit your application for review. Most applicants receive an instant decision, while some may require additional verification.
• Receive Your New Card: Upon approval, TD Bank will issue your TD Cash Credit Card, allowing you to start enjoying its rewards and benefits immediately.

Frequently Asked Questions

What cashback categories can I choose from?

You can select your top two spending categories to earn 3% cashback, such as dining, groceries, or entertainment. Additionally, you earn 2% on another category and 1% on all other purchases.

Does my cashback expire?

No, your earned cash back rewards never expire as long as your account remains open and in good standing, allowing you to redeem them at your convenience.

Can I transfer a balance from another credit card?

Yes, you can transfer a balance from another credit card and benefit from 0% introductory APR for the first 15 billing cycles. After that, a variable APR applies.

How can I manage my TD Cash Credit Card account?

You can manage your account online through TD Bank’s secure website or mobile app.

CREDIT CARD

TD Cash

Earn 5% Cash Back No Annual Fee

APPLY NOW You will be redirected