TD Cash Credit Card
A no-annual-fee cash back card from TD Bank.
Rates, fees, and full terms are set by TD Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
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 7.2 out of 10 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.
Earning rates at a glance
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.
Best ways to earn & redeem
Put your dining and groceries spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
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.
First-year value vs ongoing value
| Welcome bonus | $200 cash bonus |
| To earn it | $1,000 in 90 days |
| Est. first-year value* | $612 |
| Est. ongoing value / yr* | $412 |
The welcome bonus makes year one the high point: roughly $612 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $412 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
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.
Alternatives to the TD Cash Credit Card
Pairs well with
The TD Cash Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the TD Cash Credit Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
