How to Apply for your TD Cash Credit Card

The TD Cash Credit Card from TD Bank is uniquely positioned among cash back credit cards, this product is tailored for U.S. consumers seeking to personalize rewards according to changing spending patterns. Rather than a fixed reward structure, the TD Cash Credit Card empowers users to select two bonus categories each quarter (earning up to 3% and 2% cash back), and 1% unlimited cash back on all other purchases.

What significantly elevates this card over competitors is its absence of any annual fee and the generous $200 welcome bonus for new cardholders who spend $1,000 within the first 90 days. Additionally, it includes a 0% intro APR on balance transfers for 15 billing cycles, appealing to those seeking to consolidate existing credit card debt with more predictable costs. The TD Cash Card thus serves a broad audience, from students and families to seasoned credit users interested in cashback rewards, all backed by TD Bank’s reputable customer service and digital banking experience.

APPLY NOW

Detailed List of Card Benefits

• Quarterly Custom Spend Categories: Each calendar quarter, you can adjust which category earns 3% and 2% cash back. Categories include Dining, Gas, Groceries, Entertainment, and Travel—providing flexibility if your spending focus changes throughout the year.
• Unlimited Cash Back on Everything Else: Purchases not in your bonus categories automatically earn 1% back. Note: Superstores and warehouse clubs only earn 1% regardless of selection (see terms).
• No Annual Fee: Many rewards cards offset their value with yearly charges—the TD Cash Credit Card does not, maximizing net returns for cardholders.
• $200 Signup Bonus: Earn 20,000 bonus points (redeemable for $200 cash back) when you spend $1,000 in the first 90 days.
• 0% Introductory APR on Balance Transfers: Enjoy 0% APR for 15 billing cycles (then a variable 19.24%, 24.24% or 29.24%, based on creditworthiness). A balance transfer fee applies.
• Visa Core Benefits: Zero fraud liability, cell phone protection (when eligible), travel and emergency assistance, exclusive offers, and emergency card replacement.
• Digital Convenience: Use your card with Apple Pay, Google Pay, Samsung Pay, and manage all aspects of your account online or through the TD Bank mobile app.
• Instant Card Replacement: If your card is lost or stolen, get a new card instantly at any TD Bank branch.

Eligibility & Application Requirements

To apply for the TD Cash Credit Card, applicants must fulfill several basic prerequisites:

• Age: Must be at least 18 years old (may vary in different states).
• Valid Social Security Number: Required for credit check and identity verification.
• Creditworthiness: While no explicit minimum credit score is stated, TD Bank typically expects a good to excellent credit profile for approval.
• Sufficient verifiable income: Required to support repayment.
• Other documentation: Applicants must provide proof of identity and may need to supply supporting financial documentation as needed.

TD Bank will evaluate your application based on credit history, income, and regional eligibility.

About the Bank/Financial Institution

TD Bank is a subsidiary of the Toronto-Dominion Bank, one of North America’s ten largest banks by assets. Founded through a series of mergers, its U.S. network now includes over 1,100 branches. Renowned for extended branch hours and community focus, TD Bank delivers a comprehensive lineup of deposits, lending, wealth, and insurance products.

TD Bank excels in digital banking, offering robust online services, advanced mobile technology, and a commitment to security and customer accessibility. As a trusted neighborhood bank, it combines large-scale reliability with personalized service—earning high marks for customer satisfaction, innovation, and transparency. This context provides the assurance that comes from partnering with a well-established, reputable financial institution.

Who Is This Card For?

The TD Cash Credit Card targets a wide spectrum of cardholders, but is especially tailored for those who:

• Value flexible, customizable cash back and want to adjust rewards as spending needs evolve.
• Seek a no annual fee credit card that offers significant rewards without any ongoing cost.
• Make consistent purchases in bonus categories such as dining, groceries, entertainment, gas, or travel.
• Prefer a digital and mobile-first experience, with reliable customer service and in-person support if needed.
• May wish to take advantage of balance transfer offers to consolidate debt.

APPLY NOW

Step-by-Step Guide to Apply

Applying for the TD Cash Credit Card is streamlined and can be performed online, in-person, or by phone. Here is how you can apply:

1. Review Eligibility: Ensure you are within an eligible U.S. state and meet basic age and residency criteria.
2. Gather Documentation: Have your Social Security number, address, income information, and identifying documents on hand.
3. Visit the Official Application Site: Go to TD Bank’s official TD Cash Card page.
4. Click “Apply Now”: Follow the “Apply Now” instructions for a secure online application.
5. Complete the Application: Fill in personal, financial, and employment details; review disclosures and submit.
6. Wait for Decision: TD Bank may provide instant pre-approval or require additional documentation.

Once approved, your card will be mailed and, if lost or stolen, can be instantly replaced at any TD Bank branch.

How to Activate the Card

After receiving your TD Cash Credit Card, activate it promptly for immediate use:

1. Call the activation number provided with the card, or
2. Log in to your TD Bank online banking account or mobile app (see download links below).
3. Follow the on-screen or phone prompts to verify and activate.

TD Cash Card Fees & Rates

A major selling point is the no annual fee. However, cardholders should be aware of other important charges:

• APR for Purchases: 19.24%, 24.24% or 29.24% variable based on creditworthiness.
• Intro APR for Balance Transfers: 0% for 15 billing cycles; then variable 19.24%, 24.24% or 29.24%.
• Balance Transfer Fee: $5 or 3% of the transfer amount (whichever is greater).
• Cash Advance APR: 29.49% variable.
• Cash Advance Fee: $10 or 5% of amount (whichever is greater).
• Foreign Transaction Fee: 3% of each transaction (purchases made abroad). Not ideal for frequent international travelers.
• Late/Returned Payment Fee: Up to $40.

Review full details in the official terms and conditions.

Pros and Cons of the Card

Pros:

• Highly customizable rewards—choose bonus categories every quarter.
• No annual fee.
• Large signup bonus and valuable balance transfer offer.
• Simple, easy-to-understand reward structure with unlimited earning potential (outside warehouse clubs/superstores limitations).
• Strong digital and security features (zero liability, instant replacement).
• Transparent terms and responsive customer service channels.

Cons:

• Foreign transaction fee (3%) can add up for frequent international purchases.
• No introductory APR period for purchases (0% only on balance transfers).
• High ongoing APR if balances are carried after promotional periods.
• Minimum initial credit line of $500 may be too low for heavy spenders (though higher limits possible for strong applicants).
• Superstores & warehouse clubs only earn 1% cash back regardless of category.

Customer Service

APPLY NOW

Official channels for support and communication:

• TD Bank Credit Card Customer Service: 1-888-561-8861 (available 24/7)
• Online banking: Log in
• Visit your local branch: Find a TD Bank
• General inquiries and support: Contact Us page

For more information on card features and FAQs, visit the official TD Cash Card product page.