TD Cash Credit Card

Pros & Cons

Pros

+Welcome Bonus: $200
+Up to 3x at restaurants
+Purchase protection included

Cons

–Foreign Transaction Fee (3%)

Our Review

Experience Personalized Cash‑Back Rewards with the TD Cash Credit Card

$200 cash back bonus after $1,000 in purchases within 90 days of account opening
3% cash back in your top spending category and 2% cash back in a second category each quarter
Choose from Dining, Entertainment, Gas, Groceries or Travel — switch categories up to four times per year
1% cash back on all other purchases
No annual fee
0% intro APR on balance transfers for the first 15 billing cycles

Tailor your rewards strategy to fit your lifestyle—whether you’re fueling up, dining out or planning a getaway. Redeem your cash back as statement credits with no minimums and track your earnings easily in the TD mobile app. Enjoy added security features like contactless payments and real‑time fraud alerts.

Terms apply. Balance transfers must be completed within 60 days of account opening. Bonus categories unlimited and uncapped. See TD Bank for full details.

Rewards

All Spending

1x

Cash Back pts per dollar

Restaurants

3x

Cash Back pts per dollar

Groceries

2x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries2x

$700/mo

Gas & EV1x

$200/mo

Transit1x

$100/mo

Restaurants3x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

45,600

Cash Back/yr

Estimated Value

$456

After Fees

+$456

1st Year Value

$458

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts

Gas & EV$2,400/yr × 1x2,400 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 3x10,800 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1.52x

Total points earned45,600 pts

Value of points accumulated in the first year≈ $456

Perks & Benefits

Concierge

24/7

Additional Benefits

Visa Signature® card benefits. Visa concierge: your 24/7 Visa concierge can assist you with travel planning, entertainment, sending a gift to someone special and more. Travel and emergency assistance: a single phone call gets you the help that you need anywhere in the world. Roadside Dispatch®: access 24/7 roadside service with this pay-per-use program. Lost luggage: when you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000. Luxury hotel collection: enjoy special guest status at Visa Signature Luxury Hotel properties all around the world. Car rental benefits: enjoy special savings, complimentary rental upgrades (when available), waived fees and more.