TD Cash Credit Card

The TD Cash Credit Card is built around cardholder choice: each quarter you pick one category for 3 points per dollar and one for 2 points per dollar, while the rest earns 1 point per dollar. The $0 annual fee, $200 cash-back-equivalent welcome offer, and purchase protections make it a practical everyday card, but the 3% foreign transaction fee and quarterly category maintenance keep it from being a set-and-forget travel card.

Apply at TD Bank Issuer terms

Direct link to the issuer. We don't currently have an affiliate relationship for this card.

Annual fee

Free
Welcome offer

20,000 points

$200 cash-back redemption value
after $1,000 in 3 months
Recommended credit

680-780

Median 710. See why →

Earning rates

on TD Rewards Points

3x

Selected Top Category

Pick quarterly
2x

Selected Second Category

Pick quarterly
1x

Everything else

Benefits and credits

Travel credits and perks

Travel and Emergency Assistance Services

Purchase and protection benefits

Cell Phone Protection

Up to $500
Extended Warranty Protection
Purchase Security

Up to $500 · 90d

account-protection

Visa Zero Liability

financing

Intro APR on Purchases and Balance Transfers

rewards

Choose Your Own Rewards
One-Cent Cash-Back Redemption

Travel and purchase coverage

Lost luggage

$3,000
Travel accident insurance

$250,000

Pricing and fees

Full Pricing and Terms

Purchase APR: 18.49% to 28.49%
Foreign tx: 3.00%
Penalty APR (cap): Not disclosed
Balance transfer: 18.49% to 28.49%; Fee $5 or 5.00%, whichever is greater
Cash advance: 28.74%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Not disclosed
Reports AU to bureaus

Yes

Reports authorized-user activity to all three bureaus; no published age minimum ("there are no minimum age requirements").
Issuer policy
Welcome offer eligibility

Offer is for accounts opened in response to this specific offer and is not available if the applicant opens an account in response to a different TD offer or previously received a One-Time Bonus Offer on this account or any other TD account.

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

3 data points reviewed

Similar cards

Cards with the most in common, based on the math.

See all comparisons

Bank of America Customized Cash Rewards credit card

Bank of America · Visa

The Customized Cash Rewards is Bank of America's flexible everyday cash back card, and its hook is choice: you pick the category that earns 3%, from gas, online shopping, dining, travel, drug stores, or home improvement, and can change it once a month.

$0 annual fee

View card Compare
Venmo Visa Signature Credit Card

Synchrony · Visa

The Venmo Visa Signature Credit Card sets its bonus categories from your own spending: each statement period the category where you spent the most earns 3% cash back, the second earns 2%, and everything else earns 1%, uncapped, with no annual fee and no foreign transaction fee.

$0 annual fee

View card Compare
Marriott Bonvoy Boundless Credit Card

Chase · Visa

The Marriott Bonvoy Boundless is the mid-tier Marriott cobrand at $95 a year, sized for occasional Marriott stays.

$95 annual fee

View card Compare

Sources

Data current as of September 4, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.