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Rates and fees for TD Cash Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.

APR for Balance Transfers

0% introductory APR for first 12 billing cycles after account opening. After that, 19.74%, 24.74% or 29.74% variable APR based on your creditworthiness.

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge

$1

APR for Cash Advances

29.99% 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

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.

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 to choose from these Spend Categories4:

  • Dining
  • Entertainment
  • Gas
  • Grocery
  • 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 more5

  • 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.

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 12 billing cycles after account opening. After that, 19.74%, 24.74% or 29.74% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater.

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.

2To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features.

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.

4Spend Categories:
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.

Superstores and warehouse clubs will only qualify for one (1) point, regardless of merchant category code (MCC). For complete rewards details, please read important terms and conditions.

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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