Our illustration, not the card’s design
TD Bank credit card
TD Cash Credit Card
- APR up · 18.49% to 18.74% · Nov 1, 2026
No annual fee. $200 Cash Back rewards after you spend $1,000 in 3 months. Purchase APR 18.74–28.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · td.com
“1 For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer document · td.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer document · td.com · PDF
“After that, your APR will be 18.74%, 21.74%, 23.74%,”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer document · td.com · PDF
“3% of each transaction in U.S. dollars”
Select an underlined figure to see where it comes from.
TD Bank’s terms
Welcome offer
$200 cash
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Oct 11, 2026
- history will chart every change
Maximum bonus accumulation is 20,000 points, redeemable for $200 Cash Back rewards. The rewards will be reflected in the Points Summary of the credit card statement in 6 to 8 weeks after qualifying spend.
- Smaller than about 60% of the 48 other cash bonuses we track.
Who can get it: Current or past cardholders may not get the bonus.
“This online offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this Account or any other account with us.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Visa Zero Liability protection against unauthorized charges.
- Emergency card replacement.
- Roadside assistance.
- Digital wallet support for online, in-store, and in-app purchases.
- Contactless payments.
Changes
- Nov 1, 2026 APR 18.49% to 18.74%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer document · td.com · PDF The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer document · td.com · PDF “After that, your APR will be 18.74%, 21.74%, 23.74%,” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · td.com “0% introductory APR for first 12 billing cycles after account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer document · td.com · PDF The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · td.com “Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer document · td.com · PDF “APR for Cash Advances: 28.99%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer document · td.com · PDF “• Cash Advances Either $10 or 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer document · td.com · PDF “Up to $40” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer document · td.com · PDF “• Returned Payment Up to $40” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer document · td.com · PDF “3% of each transaction in U.S. dollars” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer document · td.com · PDF “Paying Interest: Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer document · td.com · PDF “Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.00.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: Current or past cardholders may not get the bonus.
Questions
- What is the annual fee?
- None · td.com · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction in U.S. dollars. · td.com · PDF, since Sep 29, 2026
- What is the purchase APR?
- 18.74–28.74% APR · td.com · PDF, since Nov 1, 2026
- Is there an intro APR?
- 0% for First 12 billing cycles after account opening. · td.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $1,000 in purchases in 3 months. · td.com, since Sep 29, 2026