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TD Cash Credit Card Review

Updated: June 23, 2021

The basics

Balance transfer details

Intro APR


Intro Period

15 billing cycles


3% or $5 whichever is greater

Annual Fee


Regular APR


Credit Score Required


Good for: Foodies looking for cash back rewards

Our verdict

If your primary use of your credit card is buying food—whether that be at a restaurant or a grocery store—the TD Cash Credit Card may be a good fit for you, your belly, and your wallet. The card offers 3% cash back on dining and 2% cash back on groceries. The downside is the 0% introductory APR on balance transfers is on the shorter side at 15 billing cycles and only applies to new purchase for six billing cycles.

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Beyond the basics

  • Sign-up bonus
  • No annual fee
  • Bonus rewards points in certain categories

Purchase APR

0% for 6 billing cycles

Cash Advance APR


Penalty APR


Sign up Bonus


Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description TD Bank is among the largest banks in the nation and has a wide array of financial offerings for retail, small business, and commercial banking.

Best used for

  • Dining & groceries
  • Everyday spending
  • Paying off debt

Pros & cons

  • 3% cash back on dining and 2% cash back on groceries
  • No annual fee
  • 0% introductory APR for first 15 billing cycles on purchases
  • Balance transfer fee of $5 or 3% of the amount transferred, whichever is greater
  • 0% introductory APR for only first 6 billing cycles on new purchases

Most suitable for

  • Consumers looking for food-related benefits
  • Consumers looking to pay down high-interest credit card debt
  • Consumers looking for an everyday card after initial balance transfer

Card reward details With the TD Cash Credit Card, users can earn $150 cash back when they spend $500 within 90 days of opening their account. This card offers 3% cash back on dining, 2% cash back on groceries, and 1% cash back on all other purchases.

How to apply Apply online by providing basic personal information. If you’re already a TD Bank customer, you can log in with your existing credentials.

Available The TD Cash Credit Card is available nationwide.

Balance transfer example If you have a balance of $6,200 with an APR of 18% and pay $426 toward the balance each month, you would pay off your debt in 17 months with a total interest of $788.01. If you transferred that balance and still paid $426 each month, you’d pay off your debt before the end of the introductory offer and avoid paying interest. But there would be a balance transfer fee of $186.