6 TD Cash Credit Card Benefits You Didn’t Know About

Written by Stacy Sare Cohen

Stacy Sare Cohen

How to build credit, credit card travel rewards, credit card rewards

Stacy Sare Cohen has been writing digital content for more than 10 years, helping her readers make the best financial decisions for the products they are considering buying based on their credit scores, budget and lifestyle. At the top of her list is credit cards. Stacy helps readers navigate the confusing and complex world of credit cards, breaking down the particulars and fine print for the benefit of her readers. Her favorite thing to do is help Card Critics visitors find the best signup bonuses and rewards, recommending the right cards based on reader credit scores and interests, such as travel. Stacy informs when a high annual fee makes sense and when it doesn’t. Stacy graduated with a BA in English from the University of California, Los Angeles and a Master of Arts in Teaching from Monmouth University. You can read her stories and articles in CardCritics, GoBankingRates, Forbes and elsewhere.
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Edited by Emily Gadd

Emily Gadd

Credit Cards, Personal Finance, Health & Wellness

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Emily Gadd is an SEO editor, responsible for writing about personal finance and credit cards. She got her start writing and editing at Healthline. She is passionate about creating educational content that makes complex topics accessible. Emily lives in Seattle with her husband and two cats.
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Reviewed by Jasmin Baron

Jasmin Baron

Credit Cards, Travel Rewards, Loyalty Programs, Family Travel, Credit Building, Credit Scores

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Jasmin Baron is CardCritics’ senior SEO editor, responsible for editing and writing credit cards, travel rewards, loyalty program, and other credit-related content. She is passionate about personal finance education and enjoys sharing tips and tricks for making the most credit card points and miles with her readers. Her expertise in maximizing credit card travel rewards originated from over two decades of aviation industry experience, including 18 years working as a pilot and college professor/flight instructor in her native Canada. Her work has appeared on sites such as CNN Underscored Money, Business Insider, The Points Guy, and point.me. When she’s not planning her next trip with credit card rewards, you’ll probably find her tinkering around in the kitchen, hanging out with her three kids, or playing with her dog, Benji.
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Last Updated Sep 5, 2025

A couple eating macaroons in an outdoor cafe.

The TD Cash Credit Card is a solid and convenient credit card that delivers excellent value with surprising benefits and perks. Having personal experience as a cardholder, it offers great flexibility and a cash-back rewards system that’s easy to manage.

Here’s a closer look at some TD Cash Credit Card benefits you may have overlooked.

1. $200 Cash Back Welcome Bonus

New cardholders who spend $1,000 within the first 90 days of opening their accounts will earn $200 cash back from TD. This is a low barrier to entry compared to other rewards credit cards.

Cardholders who qualify for the welcome offer can receive the cash as a bank deposit, statement credit redemption or in other ways. Always review the terms and conditions to verify your eligibility.

2. No Annual Fee

The TD Cash Credit Card doesn’t charge an annual fee. This makes it a great card for people looking to build their credit history.

3. Introductory APR on Purchases and Balance Transfers

Another great TD Cash Credit Card benefit is the 0% introductory APR on purchases and balance transfers for the first 15 billing cycles after account opening. After that a 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.

There is a 3% balance transfer fee (minimum $5) for each transfer. After the introductory period is over, the fee rises to 5% (minimum $5).

If you’re carrying high-interest debt, using a balance transfer card like the TD Cash Credit Card could help you save money.

4. Flexible Ways to Redeem Points

The name of the card puts a spotlight on the cash-back rewards, but that’s not the only way to use your rewards. Cardholders have several redemption options to choose from.

While you can always deposit your points into your TD Bank account or use them as a statement credit, you can also redeem through TD’s Rewards Program. The program website has rotating offers for booking travel, buying gift cards or shopping for merchandise.

5. Choose Your Top 2 Spending Categories

To get the most out of your card, you can choose two categories that earn the highest rewards. One will earn 3% cash back and the other will earn 2% cash back. The rest of your purchases will earn 1% back. You can change your spending categories at any time, and the changes will take effect the following quarter.

Here is what each category covers:

Dining: This spending category includes dining in restaurants and fast-food establishments.
Groceries: This can be redeemed at full grocery stores, bakeries and some convenience stores. Note: Members may only receive 1% cash back at warehouse clubs and super stores. Money orders, cash equivalents and gift cards are not eligible, according to the terms and conditions.
Entertainment: The entertainment category encompasses a range of entertainment and recreational events and services, including movie theaters, amusement parks, ticket agencies and tourist attractions.
Travel: Travel spend category rewards may be used at travel and transportation merchants, including hotels, travel agencies, airline tickets, cruise lines, car rentals, parking and tolls.

New card members start with dining and groceries for the first six months. However, they may change one of their spending categories within 30 days of opening their account. The change will take effect in the next quarter.

While I typically use my spending categories for groceries and dining — because that’s where I spend the most — I’ll change one of my spending categories to travel around the holidays to increase my rewards in advance.

6. Cardholder Protection and Fraud Perks

One of the best TD Cash Credit Card perks, in my opinion, is the cell phone protection. When you use the TD Cash Credit Card to pay your monthly cell phone bill, you’re eligible for reimbursement if your phone is lost, stolen or damaged.

The card also offers extended warranty protection for up to one year on select items. Between these protections, it can be a smart move to use the TD Cash Credit Card benefits for items you’d want covered, especially appliances, tech and electronics.

The TD Cash Credit Card also offers the following fraud protection perks:

Emergency Card Replacement: If your card is stolen or lost, TD will send you a new card immediately.
Purchase Security: If an item you purchase in the first 90 days is damaged due to weather conditions, fire or water damage, purchase security can repair, replace or reimburse you for the eligible item.
Identity Theft Protection: Your TD Bank Visa Credit Card comes with ID Navigator Powered by Norton LifeLock, essential tools if your identity is threatened.

Frequently Asked Questions About TD Cash Credit Card Benefits

Is the TD Cash Credit Card good?

The TD Cash Credit Card is a solid card option with no annual fee that offers cardholders impressive cash back rewards in several spending categories. Plus, cardholders can easily customize and change their top rewards categories. Although there are other cards on the market that offer more perks and higher cash back rewards, those cards usually come with an annual fee.

What is the TD Cash Credit Card limit?

TD determines the credit limit for the TD Cash Credit Card based on several factors, including your credit history and score. Once approved, cardholders may receive a credit card with a minimum credit line of $500 or higher based on TD’s terms and conditions.

What credit score do you need for a TD Cash Credit Card?

TD Bank requires at least a good credit score (670 or higher on FICO’s scale) for most credit cards, including the TD Cash Credit Card. For the best chance of approval, it’s best to wait to apply until you meet TD’s credit requirements.

Do TD Cash Credit Card back dollars expire?

As long as your TD Cash Credit Card account is open and it’s in good standing, your cash-back dollars will not expire. However, if you close your account, you must redeem your cash-back rewards within 100 days of account closure.

How do I redeem my TD Cash Credit Card back dollars?

There are several ways to redeem and manage your TD Cash Credit Card back dollars:

Navigate to TDRewards.com. On the website, you can choose to view your balance, earning history and set up how you wish to redeem your points.
You can also manage your rewards on the TD app by downloading it from the App Store (for iPhones) or Google Play Store (for Android devices).
Contacting customer service by calling the number on the back of your TD Cash Credit Card.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.