TD Cash Credit Card
$200 Cash Back rewards after you spend $1,000 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagetd.com
“1 For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards.”
- Annual fee
- Issuer's pagetd.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagetd.com
“After that, 18.49% - 28.49% variable APR based on your credit worthiness.”
- Foreign transaction fee
- Issuer's pagetd.com
“3% of each transaction in U.S. dollars”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
After you spend $1,000 on purchases in your first 3 months.
Maximum bonus accumulation is 20,000 points, redeemable for $200 Cash Back rewards. The rewards will be reflected in the Points Summary of the credit card statement in 6 to 8 weeks after qualifying spend.
How you earn
- 3%Chosen 3% Spend Category. Available categories are Dining, Entertainment, Gas, Grocery Stores, and Travel.
- 2%Chosen 2% Spend Category. Available categories are Dining, Entertainment, Gas, Grocery Stores, and Travel.
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagetd.com “After that, 18.49% - 28.49% variable APR based on your credit worthiness.” |
| Intro APR | Issuer's pagetd.com “0% introductory APR for first 12 billing cycles after account opening.” |
| Balance transfer APR | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagetd.com “Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening.” |
| Cash advance APR | Issuer's pagetd.com “28.74% variable APR” |
| Cash advance fee | Issuer's pagetd.com “$10 or 5% of advance whichever amount is greater” |
| Late payment | Issuer's pagetd.com “Up to $40” |
| Foreign transactions | Issuer's pagetd.com “3% of each transaction in U.S. dollars” |
| Minimum interest charge | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Visa Zero Liability protection against unauthorized charges.
- Emergency card replacement.
- Roadside assistance.
- Digital wallet support for online, in-store, and in-app purchases.
- Contactless payments.
Questions
- What is the annual fee?
- None td.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction in U.S. dollars. td.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–28.49% APR td.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 billing cycles after account opening. td.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $1,000 in purchases in 3 months. td.com, since Sep 29, 2026
Other secured cash back cards with no annual fee
- Bank of America Unlimited Cash RewardsBank of America · No annual fee+$150 a year
- Bank of America Unlimited Cash Rewards SecuredBank of America · No annual fee+$150 a year
- Quicksilver RewardsCapital One · No annual fee+$150 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).