TD Bank Cash Credit Card Review

• The TD Bank cash credit card is a cash back card that lets you earn money when you spend on everyday expenses.
• You can earn between 1% and 3% cash back on eligible purchases simply by buying things you would already be paying for.
• The card is especially beneficial for those who love dining out, as you can earn 3% cash back on those purchases.
• The card comes with a sign-up bonus, which is an opportunity to earn $150 extra in cash back.
• This card also has a $0 annual fee.

Who Needs the TD Bank Cash Credit Card?

The TD Bank cash credit card is a good all-around spending tool. It has a wide range of benefits, including cashback rewards, a low APR for creditworthy individuals, digital wallet options and fraud protection. This may be a good choice for someone who has good credit and needs a well-balanced credit card. If you're looking for a rewards credit card but don't currently have a credit score high enough to land a top-tier travel card, the TD Bank card is an ideal stepping stone.

The card may also be a great choice for anyone who eats out a lot. You get 3% cash back on dining purchase. That can really add up for someone who hosts a lot of dinnertime business meetings or gets a morning cup of coffee and bagel daily.

Everything You Need to Know About the TD Bank Cash Credit Card

Only you can determine whether a credit card offer is right for you. Make sure you read the fine print before you apply for or accept any offer, but you can start with the details below to learn more about the TD Bank cash credit card.

The Benefits

Cash back is the big draw with this card. You can earn cash back on a variety of purchases. View cash back offers from our partner here.

• 3% cash back. Earn it on all your dining purchases. That includes any purchase made at an establishment that categorizes itself as a restaurant, which covers the gamut from fast food burgers to gourmet steaks.
• 2% cash back. Earn it on grocery purchases. Because of the way retailers categorize themselves, this may not include all your purchases at superstores or club warehouses.
• 1% cash back. All purchases that don't fall into one of the two categories above net you 1% cash back. The exception is cash-like transactions such as withdrawals at an ATM, cash back at a register, gift card purchases and money orders.

How do these TD Bank cash rewards work? You spend on things you would already buy and swipe this card at the register. Keep up with your payments, manage your account well and watch the rewards accrue.

If you spend $500 a month on dining out, that's $180 in cash back every year. Add in another $500 on groceries a month, and you get another $120 in cash back. That's $300 just for feeding yourself throughout the year.

Other benefits of this card include:

• A bonus offer. Spend $500 in the first 90 days you have this card and get $150 in bonus cash.

• 0% APR on purchases: 0% introductory APR for first 15 billing cycles after account opening. After that, 18.99%, 23.99% or 28.99% variable APR based on your creditworthiness.

• 0% APR on balance transfers: Get a 0% introductory for the first 15 billing cycles after account opening. Balance transfer fees apply.

• Safe, secure shopping. This card is backed by Visa's zero liability policy. You won't be liable for fraudulent charges if your card or card number is stolen.
• Digital wallet and contactless payment. The card is compatible with a number of modern payment methods for convenience and security.

As far as credit card disadvantages go, though, this is far from a deal breaker. So, the card remains a good option for anyone looking for a middle-of-the-road purchasing tool that covers a lot of bases well.

Is the TD Bank Cash Credit Card Worth It?

The card comes with no annual fee, which makes it a pretty good deal. If you pay your statement on time and pay off all your balances each month, any cash back you earn is clear profit. That makes it a good choice for those who like to travel and want to save the 3% to 5% fees charged by some banks.

You'll need good to excellent credit to be approved for this card. Check your credit score for free using Credit.com’s Credit Report Card to ensure your score will qualify you.