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TD Cash Credit Card Benefits

  • Welcome Bonus: TD Cash Credit Card comes with a special introductory offer of $200 cash back on spending $500. The spending must be made within the first 90 days of account opening.
  • Choose Top Category: The spending categories for reward are not fixed by the bank, rather you can choose your top two spending categories from dining, entertainment, gas, grocery stores, and travel.
  • Unlimited Cashback: You can earn unlimited 3% and 2% cashback on top categories and 1% on all other purchases. At the time of account opening, you will get 3% Cashback on dining and 2% at grocery stores. After that, you can choose your preferred spending category for every quarter.
  • Zero Annual Fee and APR: This card has no annual fee and comes with zero APR on balance transfers for the first 15 billing cycles. After you complete the 15 billing cycles, APR will be 20.24%, 25.24%, or 30.24% based on your creditworthiness.
  • Purchase Protection: As a signature and business cardholder you will get purchase protection for the first 90 days in case of theft or damage due to fire, accidental damage due to water, or certain weather conditions.
  • Cell Phone Protection: TD cash credit cardholders who paid the mobile bill with the card, will get this benefit. You will be compensated if your cell phone is stolen or damaged.
  • Extended Warranty Protection: Visa signature and business card holders can enjoy extended one-year warranty protection on select items that are purchased with the card.
  • Protection against identity theft: Payment security is the top concern for any cardholder. TD cash credit card includes ID Navigator Powered by Norton LifeLock. It ensures you can act quickly if your identity is threatened.
  • Travel benefits: TD cash credit holders can have benefits while traveling such as Visa concierge, roadside dispatch, emergency assistance, lost luggage reimbursement, signature experience benefits, car rental benefits, and special guest status on Visa luxury hotel collection.
  • Entertainment and lifestyle benefits: With the TD Cash Visa Credit Card, you will get limitless access to Skillshare classes. It will be free for 3 months and after that 20% off on the annual membership. Besides this, exciting offers are available at Sofar Sounds and Shipt membership.

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Prerequisites to apply for the TD Cash Credit Card

Having a credit card is a big step to take. You have to submit some necessary documents. But don’t worry, all are regular information. Your age must be 18 years old or at the legal age in your state to apply for a credit card.If you apply for the first time, you may require personal information, contact information, social security number (SSN), address and phone number.

To apply for a credit card, it is necessary to get a credit report which is given by the three major credit bureaus. It shows your credit history, your loans, your on-time and late payments, your account opening date, your credit limit, and your account balances. There are no fixed credit score requirements written by TD Bank but having a good credit score will be an added advantage.

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Also, you need to meet the income requirements, a stable source of income will help you to get the card’s approval. TD Cash Credit Card is available to legal residents of the United States.

Who is this card for?

For those who have a good credit score and spend on specific categories, a TD Cash Credit Card will be the best choice for them. You can choose from which category you want to earn cashback and this card comes with no annual fee. So those who mostly spend on dining, entertainment, gas, grocery stores, and travel, this card will be the best choice for them.

Step by Step to Apply for the Card

To apply for the TD Cash Credit Card, you have to visit the card’s website page and press the Apply Now button. You will need to fill up the online application with the necessary information and documents. You can call 1-888-561-8861 for assistance or you can visit your nearest branch.

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You can download the TD Bank mobile app from the Play Store and Apple Store or you can download it from TD Official Website.

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Pros and Cons of the card

The positive sides of this card:

  • It has no annual fee
  • It has a special introductory offer
  • Unlimited cashback
  • Customize spending categories for rewards

The negative sides of this card are:

  • A good to excellent credit score required
  • Has foreign transaction fees
  • Limited benefits and rewards options

How to unlock the card?

Similar to other banks, you can activate this card by calling them at 1 (888) 561-8861 or visiting their website, or mobile app. It doesn’t have a due date for activation but you should activate it soon as possible.

Fees and tariffs

TD cash credit card comes with zero annual fees. Based on the creditworthiness APR for purchases is 20.24%, 25.24%, or 30.24%. For the first 15 billing cycles after account opening, there will be no APR for balance transfers. After that, it will be the same as the APR for the purchases. APR for cash advances is 30.49%. The balance transfer fee is $5 or 3% whichever is greater and the cash advance fee is $10 or 5% whichever is greater. The interest charge will be no less than $1.

If you are traveling to other countries and use your TD Cash Credit Card, you will be charged 3% of each transaction in U.S. dollars. In case of late and return payment, you will be charged up to $40.

Customer Service

24/7 customer service is available at 1-888-751-9000. You can also follow them on Facebook, Instagram, Twitter, and LinkedIn for any updates.

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