$0
Annual fee
See the card
Card reviewTD Bank
Updated Jul 22, 2026 · research
TD BankTD Cash Rewards
TD Cash Credit Card
Earn unlimited 3% and 2% cash back on the spend categories you choose, with no annual fee.
Entry LevelPersonal
Visa
$0
Annual fee
3% back dining
Top rate
3%
Foreign fee
N/A
Rating
Current Welcome Offer
Earn $200
Spend $1,000 in 90 days
Verifiedprimary
Card Offers
public
Earn $200
Spend $1,000 in 90 days
primary
Earning Rates
Dining
3%cash back
Choice category. Defaults to Dining at opening. Can be changed quarterly.
Grocery Stores
2%cash back
Choice category. Defaults to Grocery Stores at opening. Excludes superstores and warehouse clubs which earn 1%. Can be changed quarterly.
Other Purchases
1%cash back
Pros & Cons
Pros
- No annual fee makes it a low-risk, cost-effective card for everyday spending.
- Flexible category selection lets cardholders direct their top cash back rates toward their highest actual spending areas.
- Simple three-tier earning structure is easy to understand and track.
- Earning 3% on a chosen category is competitive for a no-annual-fee cashback card.
Cons
- The 1% base rate on non-chosen categories is below what some competing flat-rate cashback cards offer.
- Cardholders are limited to one 3% category and one 2% category, which may not cover all major spending areas.
- The card is only available to personal applicants with good credit, limiting accessibility.
- No travel rewards, sign-up bonus, or premium perks are mentioned in the card's feature set.
Key Takeaways
- No annual fee keeps the card accessible for budget-conscious cardholders.
- The 3% and 2% category choices let you tailor rewards to your actual spending habits.
- A 1% base rate applies to all purchases outside your chosen categories.
- Good credit is required, so the card is not designed for credit building.
- This is an entry-level cashback card, not a travel or premium rewards product.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
APR Information
- Purchase APR
- 18.49% - 28.49%0% intro APR for 12 months
- Balance Transfer APR
- 18.49% - 28.49%0% intro APR for 15 months
- Cash Advance APR
- 28.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
3 benefits (1 strong or better)
Purchase Protection
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the TD Cash Credit Card?
The TD Cash Credit Card has no annual fee. There is also no first-year waiver involved since the fee is $0 on an ongoing basis.
How does the category selection work for earning cash back?
Cardholders choose one category as their top 3% cash back category and a second category as their 2% cash back category. All other eligible purchases earn 1% cash back. This gives you control over where you earn the most rewards.
What categories can I choose for my 3% and 2% cash back?
The canonical examples include categories such as dining and groceries, though the card's structure allows cardholders to select from available spend categories. The specific full list of eligible categories is determined by TD Bank at the time of enrollment.
What credit score do I need to apply for the TD Cash Credit Card?
TD Bank generally targets applicants with good credit for this card. Having a solid credit history will improve your chances of approval.
Is the TD Cash Credit Card part of a rewards program?
Yes, rewards are earned through the TD Cash Back program. Cash back accumulates based on the tiered category structure you select.
Can I change my chosen 3% and 2% categories after I enroll?
The card is designed to let cardholders select their top spending categories, though specific rules around how often or when categories can be changed are governed by TD Bank's program terms. It is best to review the current terms on TD Bank's website for those details.
Is the TD Cash Credit Card a Visa card?
Yes, the TD Cash Credit Card runs on the Visa network. This means it is widely accepted at merchants domestically and internationally where Visa is supported.
Is the TD Cash Credit Card a good card for someone building credit?
The card requires good credit for approval, so it is not specifically designed as a credit-building product for those with limited or poor credit histories. It is better suited for consumers who already have an established credit profile.
How do I apply for the TD Cash Credit Card?
You can apply directly through TD Bank's website at the TD Cash Credit Card application page. The card is a personal card and is not intended for business use.
Does the TD Cash Credit Card have travel or premium perks?
The TD Cash Credit Card is an entry-level cashback card with no annual fee, so it is not positioned as a travel or premium rewards card. Its core value is in flexible cash back on everyday spending categories.
About This Card
The TD Cash Credit Card is best for consumers with good credit who want a no-annual-fee card and prefer to customize their cash back around one or two dominant spending categories. It suits everyday spenders who want simplicity and flexibility without paying for premium features they may not use.
With the TD Cash Credit Card, you can customize your rewards. Choose your top two spend categories to earn unlimited 3% and 2% Cash Back every quarter, and earn unlimited 1% Cash Back on all other purchases. Plus, earn a $200 cash back bonus after spending $1,000 in your first 90 days.
The TD Cash Credit Card's dual-category selection model lets cardholders earn 3% and 2% cash back where they actually spend most, rather than accepting fixed bonus categories that may not match their lifestyle, all with no annual fee.
Ready to Decide?
Apply for the TD Cash Credit Card
Earn $200 with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
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