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TD Bank only offers credit cards to customers based in Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, and Virginia. If you aren't physically located in one of these states, you'll be unable to apply for TD Bank credit cards discussed below.
Until now, the TD Cash Credit Card might not have been on your radar. This nifty card is offering an elevated welcome offer worth $200 cash back — which is a big deal considering it charges $0 annual fee and offers up to 3% cash back in a category of your choice.
Should you add the TD Cash Card to your wallet? Let's take a look.
- Special offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
- Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.
- Change your spending categories up to four times a year.
- $0 annual fee.
- Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
When you open your card, you'll start with:
- 3% cash back on Dining
- 2% cash back at Grocery Stores
- 1% cash back on everything else
Then, every quarter you can choose your 3% and 2% cash back spending categories from:
- Dining
- Entertainment
- Gas
- Grocery Stores
- Travel
All other purchases earn 1% cash back.
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Get $200 Cash Back With the TD Cash Card
If you're looking for a new cash back card to add to your arsenal, the TD Cash Card is a great option. Alongside a valuable earning structure — which we'll cover shortly — the card is running an elevated welcome bonus.
As a new applicant for the TD Cash Card, you can earn $200 cash back when you spend $1,000 within the first 90 days after account opening. This equates to a 20% return on the first $1,000 you spend on your card — not counting the bonus rewards you'll earn on purchases that fall within its bonus categories.
Related: Best Cash Back Credit Cards
TD Cash Card key benefits
The TD Cash Card offers five primary benefits to cardholders:
- Cell phone protection.
- Theft, loss, and extended warranty protection.
- Travel benefits and protections while you're on the road.
- 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.. A balance transfer fee of Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater., will apply.
- Valuable cash back earning rates.
TD Cash Card earning rates
Of all the benefits, the fifth on the list is the most important. What makes the TD Cash Card is that you have a say in how you want to reward your purchases. However, the card's earning categories are unique, and they work like this:
When you open your card, you'll start with:
- 3% cash back on Dining
- 2% cash back at Grocery Stores
- 1% cash back on everything else
Then, every quarter you can choose your 3% and 2% cash back spending categories from:
- Dining
- Entertainment
- Gas
- Grocery Stores
- Travel
All other purchases earn 1% cash back.
For a no annual fee card, the TD Cash Card‘s earning rates are pretty lucrative. It's an especially generous return on purchases via a card that charges a $0 annual fee.
Related: TD Cash Credit Card Full Review
Who’s Eligible for the TD Cash Card Welcome Offer?
Like every other credit card, the TD Cash Credit Card has its own set of application rules and restrictions. The most notable being that you must live in a state that has a TD Bank branch in order to complete an application. Right now, this includes the following states:
- Connecticut
- District of Columbia
- Delaware
- Florida
- Massachusetts
- Maryland
- Maine
- North Carolina
- New Hampshire
- New Jersey
- New York
- Pennsylvania
- Rhode Island
- South Carolina
- Virginia
- Vermont
Other potential rules and restrictions aren't so clear cut because many aren't publicly known. But if this is a card you want to apply for, ensure you have a health credit score and haven't applied for too many other cards in the past couple of months. Generally, good credit and infrequent inquiries is the recipe for success.
Final Thoughts
If you don't have a cash back credit card, or are just looking for a new one to reward your purchases a little better, now is a great time to apply for the TD Cash Card. The $200 cash back welcome offer is only part of what makes this card so valuable. This card makes it possible to earn up to 3% in the category of your choice without paying an annual fee. It doesn't get much better than that!
- Special offer: Earn $200 Cash Back when you spend $1,000 on eligible purchases within the first 90 days of opening your account.
- Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.
- Change your spending categories up to four times a year.
- $0 annual fee.
- Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.
When you open your card, you'll start with:
- 3% cash back on Dining
- 2% cash back at Grocery Stores
- 1% cash back on everything else
Then, every quarter you can choose your 3% and 2% cash back spending categories from:
- Dining
- Entertainment
- Gas
- Grocery Stores
- Travel
All other purchases earn 1% cash back.
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