TD Bank
TD Cash Credit Card
No annual fee · Earns Cash Back
A no-annual-fee TD Bank Visa that lets you pick 3% and 2% cash back categories each quarter from dining, entertainment, gas, grocery and travel, plus 1% everywhere else. It suits people who want to rotate bonus categories without paying an annual fee.
- 3%Chosen Spend Category
- 2%Chosen Second Spend Category
Maintained by Creddy Editorial · Catalog checked Nov 12, 2026
TD Cash Credit Card at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- TD Bank
- Rewards:
- Cash Back
TD Cash Credit Card Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1% |
Bonus category rates for this card are still being added.
Who Should Get the TD Cash Credit Card?
The TD Cash Credit Card fits people who want one flat rate: 1% on every purchase. It has no annual fee, so it costs nothing to keep.
Is the TD Cash Credit Card Worth It?
The TD Cash Credit Card has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
TD Cash Credit Card Welcome Bonus
- Earn $200 cash back after spending $1,000 in 90 days$200Min spend $1,000 in 90d
Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening1 This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this Account or any other account with us.
Checked Nov 12, 2026Source
TD Cash Credit Card Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the TD Cash Credit Card. Its value comes from its rewards and other benefits on this page.
More TD Cash Credit Card Benefits
Bonus Earnings
- 3% Cash Back on Chosen Spend Category3%
Earn 3% cash back in the Spend Category you assign to the 3% Reward Tier each calendar quarter. Eligible Spend Categories are Dining, Entertainment, Gas Stations, Grocery Stores and Travel. The card defaults to Dining at account opening. You can change categories quarterly in the TD Bank Choose Your Own Reward feature. Superstores and warehouse clubs earn only 1%.
Checked Oct 19, 2026 - 2% Cash Back on Chosen Second Spend Category2%
Earn 2% cash back in the Spend Category you assign to the 2% Reward Tier each calendar quarter. Eligible Spend Categories are Dining, Entertainment, Gas Stations, Grocery Stores and Travel. The card defaults to Grocery Stores at account opening. Superstores and warehouse clubs earn only 1%.
Checked Oct 19, 2026 - 1% Cash Back on All Other Purchases1%
Earn 1% cash back (one Point per dollar) on all other purchases, including Spend Categories not assigned to the 3% or 2% Reward Tier. There is no limit on how much you can earn.
Checked Oct 19, 2026
Fees & Miscellaneous
- Foreign Transaction Fee3%
A 3% fee applies to each foreign transaction in U.S. dollars.
Checked Oct 19, 2026 - No Annual Fee
The TD Cash Credit Card has no annual fee.
Checked Oct 19, 2026
TD Cash Credit Card vs Other TD Bank Cards
- Target Circle CardNo annual fee
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How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
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TD Cash Credit Card FAQs
What is the TD Cash Credit Card annual fee?
No annual fee