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Rates and fees for TD Cash Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.

APR for Balance Transfers

0% introductory APR for first 15 billing cycles after account opening. After that, 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.

If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge

$1

APR for Cash Advances

29.49% variable APR

Cash Advance Fee

$10 or 5% of advance whichever amount is greater

Annual Fee

None

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Late Payment Fee

Up to $40

Return Payment Fee

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.

Choose your Spend Categories

Earn more on the things you buy the most.

Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.

When you open your card, you'll start with 3% Cash Back on Dining, 2% at Grocery stores.3 And then every quarter, you can choose from these Spend Categories2:

  • Dining
  • Entertainment
  • Gas
  • Grocery Stores
  • Travel

Services with your TD Cash Card

  • Digital Wallet

    Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases

    Find out how

  • Visa Zero Liability5

    Enjoy Visa security on purchases, plus protection against unauthorized charges

    Find out more

  • Instant credit card replacement

    If your card is lost or stolen, get an immediate replacement at a TD Bank

    Find a TD Bank

  • Contactless Payments

    Learn more about the convenience and security of contactless payments

    Find out more

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.
View the TD Cash Credit Card Application for Cross-Border Clients.

*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

1For 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. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1,000 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. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

2Spend Categories:
Every quarter, choose your 3% and 2% Spend Categories, and earn 1% on all other purchases. At time of card opening, the card Spend Categories will default to 3% Cash Back on Dining, and 2% at Grocery Stores. Each quarter, you can choose to change your Spend Categories. Superstores and warehouse clubs will only qualify for one (1) point, regardless of merchant category code (MCC). For complete rewards details, please read Important Credit Card Terms and Conditions.

Within 30 days of account opening, you will have a one-time opportunity to change the Spend Category that was initially assigned to the 3% and 2% Reward Tiers at account opening. This change will apply during the first calendar quarter following account opening.

Dining: The Dining Spend Category may include merchants that are primarily sit-down, fine dining and/or fast-food restaurants.

Entertainment: The Entertainment Spend Category may include merchants with their primary business is for recreational and entertainment services including movie theaters, ticket agencies, amusement parks and tourist attractions.

Gas Stations: The Gas Stations Spend Category may include merchants selling automotive gasoline at the pump or inside the station.

Grocery Stores: The Grocery Stores Spend Category may include merchants that offer a full line of groceries including a deli, bakery and meat department. Their primary products include grocery items and include smaller convenience stores and bakeries.

Travel: The Travel Spend Category may include merchants offering the purchase of airline tickets, hotel stays, car rental agencies, train tickets, bus lines, travel agencies, cruise lines along with parking and tolls.

3Groceries 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.

4Visa Benefits
To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features.

5To learn more about Visa Zero Liability please visit https://usa.visa.com/support/consumer/security.html. By clicking on this link you are leaving our website and entering a third-party website over which we have no control. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites. Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

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