TD Cash Credit Card Review
Overview
The TD Cash is a solid no-annual-fee cash-back card with a flexible twist: you choose your 3% and 2% categories each quarter from dining, entertainment, gas, groceries, and travel. Being able to point your bonus rates at wherever you actually spend is genuinely useful, and it costs nothing to hold.
The main catch is not the card itself but the bank, TD operates mostly in the Eastern U.S., so it is simply not available to a lot of people. If you are in their footprint, though, this is a nice free card.
Think twice if: you are outside TD’s region or want set-and-forget simplicity, since availability is limited and a flat 2% card needs no category management.
Our 3.5 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn 3% on one category you choose each quarter, 2% on a second, and 1% on everything else, with no annual fee. The flexibility to steer your 3% and 2% at your real spending is the appeal, and it is a genuinely good free structure for someone whose spending shifts around.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 3x | Bonus category |
| Groceries | 2x | Bonus category |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: You choose your 3% and 2% categories each quarter from dining, entertainment, gas, groceries, and travel; 1% on everything else. Cash back only. TD Bank operates mainly in the Eastern U.S.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- No annual fee
- Choose your own 3% and 2% categories each quarter
- Easy $200 welcome bonus
- 0% intro APR on balance transfers for 15 billing cycles
- TD Bank is mostly an Eastern-U.S. bank, so availability is limited
- You have to review your category picks each quarter
- Cash back only, no transfer upside
The welcome bonus
The welcome is easy: a $200 cash bonus after $1,000 in 90 days. Nice value for a free card, and the spending requirement is reachable for most people.
Is the annual fee worth it?
There is no annual fee, so there is nothing to justify. Choose-your-own 3% and 2% categories for free makes it an easy card to keep, as long as you remember to review your picks each quarter.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Choose from dining, entertainment, gas, groceries, and travel
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you bank in TD’s region and want a free, flexible cash-back card, the TD Cash is a good option, the ability to choose your bonus categories sets it apart from fixed-category cards.
If you are not in TD’s Eastern-U.S. footprint, you may not be able to get it, and a widely available flat-rate or category card will serve you just as well. But where it is offered, it is a solid free pick.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
