How to Apply for your TD Cash
Choosing the right credit card involves weighing rewards, fees, and eligibility requirements. The TD Cash Credit Card often stands out as a strong contender for consumers who prioritize flexibility and strong cash back rewards on everyday spending. This card allows users to customize their earning structure, ensuring maximum returns on the purchases they make most often, all without incurring an annual fee.
In this complete guide, we provide a comprehensive analysis of the TD Cash Credit Card. We cover everything you need to know, from its competitive welcome offer and versatile rewards structure to its essential security features, application prerequisites, a balanced review of its pros and cons, and a detailed breakdown of all associated fees and tariffs. Read on to discover if the TD Cash Credit Card is the perfect addition to your financial toolkit.
TD Cash Credit Card Benefits
The TD Cash Credit Card is a popular option designed to offer valuable rewards and flexible earning opportunities for everyday spending. To help you determine if this card is the right fit for your financial needs, the following list provides a comprehensive breakdown of the card’s key features and advantages.
Welcome Bonus
TD Cash Credit Card comes with a special introductory offer of $200 cash back on spending $1000. 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 18.99%, 23.99% ou 28.99% 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.
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.
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.
Mobile app
You can download the TD Bank mobile app from the Play Store and Apple Store or you can download it from TD Official Website.
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
The following table provides the corrected and verified Fees and Tariffs for the TD Cash Credit Card. This detailed breakdown clearly outlines all associated costs, including the annual fee, transaction fees, and the specific Annual Percentage Rate (APR) tiers, based on the current figures published by TD Bank.
| Fee/Tariff | Rate/Amount |
|---|---|
| Annual Fee | None |
| Intro APR for Purchases and Balance Transfers | 0% for the first 15 billing cycles after account opening |
| Standard APR for Purchases and Balance Transfers (Variable) | 18.99%, 23.99%, or 28.99% based on creditworthiness |
| APR for Cash Advances (Variable) | 29.24% |
| Balance Transfer Fee | Intro fee of $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | $10 or 5% of the advance, whichever is greater |
| Minimum Interest Charge | $1.00 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
| Late Payment Fee | Up to $40 |
| Return Payment Fee | 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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