TD Cash Credit Card

For People with
Fair Credit



The TD Cash Credit card is a decent cash back rewards card that offers 3% cash back on all dining expenses from casual take-out to steakhouse sit-downs, 2% cash back at grocery stores, and 1% cash back everywhere else.

This card is only available to residents of Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D.C.

You’ll be able to take advantage of the 0% intro balance transfer APR for 12 months, and then you’ll get an APR of 15.24%, 20.24% or 25.24% Variable.

This card has a $200 signup bonus after you spend a measly $500 within 90 days of opening your account. Compared to other cards, $200 is rather high for only spending $500.

Based on your credit, you’ll get either the Visa Signature or the Visa Platinum version of this card when you apply and are accepted.

This card comes with no annual fee.

Card Quick Facts

Card Quick Facts

  • Get $200 cash back after spending $500 within 90 days after account opening
  • 3% cash back on all dining purchases
  • 2% cash back at grocery stores
  • 1% cash back on everything else
  • Visa Signature benefits (eligible cardholders only)
  • Free VantageScore credit score and credit education tools
  • 0% intro balance transfer APR for 12 months, then an APR of 15.24%, 20.24% or 25.24% Variable
  • No foreign transaction fee or annual fee

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3% cash back on Dining
  • 2% cash back at Grocery stores
  • 1% cash back on all other eligible purchases

Introductory Bonus

  • $200 cash back when you spend $500 within 90 days after account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 15.24%, 20.24% or 25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $500
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 15.24%, 20.24% or 25.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.49% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

This card is available as a Visa Signature if your initial credit limit is $5,000 or above. If your initial credit limit is lower than that, you will get a Visa Platinum with reduced benefits.

  • Visa Signature Concierge Service

    Call for non-emergency assistance with all sorts of tasks, including dining and travel reservations. (Visa Signature cardholders only.)

  • Visa Zero Liability

    You won’t be held responsible for unauthorized transactions. You’re covered if your card is ever lost, stolen or fraudulently used. Call customer support immediately if you suspect fraud.

  • Lost or Stolen Card Reporting

    Call customer support or Visa Global Customer Care Services at 1-800-847-2911 to report your card lost or stolen.

  • Instant Credit Card Replacement

    Get an immediate replacement at a TD bank if your card is lost or stolen.

  • Emergency Card Replacement

    Visa will work with your bank to get you your card replacement ASAP — within 24 to 72 hours.

  • Emergency Cash Disbursement

    Visa can arrange a wire cash transfer to your local Western Union within two hours of approval from your bank.

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