Rates and fees for TD Cash Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

19.49%, 24.49% or 29.49% variable APR based on your creditworthiness.

APR for Balance Transfers

0% introductory APR for first 12 billing cycles after account opening. After that, 19.49%, 24.49% or 29.49% variable APR based on your creditworthiness.

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge


APR for Cash Advances

29.74% variable APR

Cash Advance Fee

$10 or 5% of advance whichever amount is greater

Annual Fee


Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment

Up to $40

Return Payment

Up to $40

Need more information?
Take a look at our terms and conditions or the Personal Credit Card Agreement for TD Cash Credit Card.

Everyday spending can add up to big rewards

What if you could turn your regular expenses into something fun?

Whether you're eating out, dining in, or shopping, you can earn rewards just for using your card instead of cash.

Say you spend $2,000 a month:

  • $500 on dining
  • $500 at grocery stores2
  • $1,000 on all other eligible purchases*

With three different ways to earn Cash Back, you can earn $420 after 1 year – add the $150 special offer and that's $570!3 That's money in your pocket you can enjoy any way you want.

Start adding up your rewards today.

Note: Rewards are earned as points that can be redeemed for cash back.

Services with your TD Cash Card

Apply for a TD Cash Credit Card

Already have a TD Credit Card?

View the Personal Credit Card Agreement for the TD Cash Credit Card.

*Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 15,000 points which can be redeemed for $150 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $150 Cash Back Rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $500 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us.

2Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

3Potential Cash Back examples are for illustrative purposes only. Actual Cash Back rewards varies by your monthly spending. To calculate these Cash Back rewards, we assumed $500/month spend on dinners out, $500/month spend at grocery stores, and $1,000/month spend on other purchases* resulting in a $24,000 spend/year.

4Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must take care in protecting their card and notify TD Bank immediately of any unauthorized use.

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