TD Cash Credit Card
Earn up to 3% Cash Back your way—choose your top 3% and 2% spend categories, plus 1% on all other eligible purchases.
Annual Fee
$0
Top Earning Rate
3% back choice 3% category (e.g. dining, groceries, etc.)
Foreign Tx Fee
N/A
Rating
N/A
Earning Rates
Cardholder selects their top 3% spend category
Cardholder selects their top 2% spend category
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 |
Frequently Asked Questions
What is the annual fee for the TD Cash Credit Card?
How does the category selection work for earning cash back?
What categories can I choose for my 3% and 2% cash back?
What credit score do I need to apply for the TD Cash Credit Card?
Is the TD Cash Credit Card part of a rewards program?
Can I change my chosen 3% and 2% categories after I enroll?
Is the TD Cash Credit Card a Visa card?
Is the TD Cash Credit Card a good card for someone building credit?
How do I apply for the TD Cash Credit Card?
Does the TD Cash Credit Card have travel or premium perks?
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.
The TD Cash Credit Card lets you earn cash back at a rate you choose. Select your top spending category to earn 3% Cash Back and a second category to earn 2% Cash Back. All other eligible purchases earn 1% Cash Back. The card is designed for everyday spending with no annual fee.
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.
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Sources & Methodology
Sources & Methodology
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