{"id":175602,"date":"2025-11-22T18:10:01","date_gmt":"2025-11-22T18:10:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=175602"},"modified":"2026-04-08T14:28:01","modified_gmt":"2026-04-08T14:28:01","slug":"td-cash-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/cash-back\/td-cash-credit-card\/","title":{"rendered":"TD Cash Credit Card: Earn 3% Cash Back in the Category of Your Choice Without an Annual Fee"},"content":{"rendered":"<p class=\"custom-blue\">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.<\/p>\n<p>TD Bank has released several new credit card products to the U.S. market over the last few years, offering straightforward rewards to cardholders. The <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> jumps out as a rewarding cash-back card to add to your wallet, at least as part of a larger card portfolio.<\/p>\n<p>Let's dig into the details to see if the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a>  is right for your wallet.<\/p>\n<div class=\"qs-card\" data-id=\"3006071\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">TD Cash Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-TDCashCreditCard.png\" width=\"150\" alt=\"TD Cash Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nSpecial Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">TD Cash Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nSpecial Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The TD Cash Credit Card offers flexible rewards with no annual fee. Earn 3% cash back on Dining and 2% cash back at Grocery Stores when you first receive your card, then you can switch your categories quarterly between Dining, Entertainment, Gas, Grocery Stores, or Travel, plus you will earn 1% cash back on all other eligible purchases. You can also take advantage of cell phone protection and other Visa benefits.<\/div><div class=\"qs-tab-hl\"><ul>\r\n    <li>Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/li>\r\n    <li>Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.<\/li>\r\n    <li>Change your spending categories up to four times a year.<\/li>\r\n    <li>$0 annual fee.<\/li>\r\n    <li>Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><p>When you open your card, you'll start with:<\/p>\r\n<ul>\r\n    <li>3% cash back on Dining<\/li>\r\n    <li>2% cash back at Grocery Stores<\/li>\r\n    <li>1% cash back on everything else<\/li>\r\n<\/ul>\r\n\r\n<p>Then, every quarter you can choose your 3% and 2% cash back spending categories from:<\/p>\r\n<ul>\r\n    <li>Dining<\/li>\r\n    <li>Entertainment<\/li>\r\n    <li>Gas<\/li>\r\n    <li>Grocery Stores<\/li>\r\n    <li>Travel<\/li>\r\n<\/ul>\r\n\r\n<p>All other purchases earn 1% cash back.<\/p><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TDCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#TD_Cash_Card_Pros\">TD Cash Card Pros<\/a><\/li><li><a href=\"#TD_Cash_Card_Cons\">TD Cash Card Cons<\/a><\/li><li><a href=\"#TD_Cash_Card_Welcome_Offer\">TD Cash Card Welcome Offer<\/a><\/li><li><a href=\"#TD_Cash_Card_Earning_Rates\">TD Cash Card Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_TD_Cash_Card\">Redeeming Rewards With the TD Cash Card<\/a><\/li><li><a href=\"#TD_Cash_Card_Benefits\">TD Cash Card Benefits<\/a><ul><li><a href=\"#Introductory_0_APR_on_balance_transfers\">Introductory 0% APR on balance transfers<\/a><\/li><li><a href=\"#Cell_phone_protection\">Cell phone protection<\/a><\/li><li><a href=\"#Purchase_protections_and_extended_warranty\">Purchase protections and extended warranty<\/a><\/li><li><a href=\"#Travel_benefits_and_protections\">Travel benefits and protections<\/a><\/li><\/ul><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_TD_Cash_Card\">Cards That Compete With the TD Cash Card<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"TD_Cash_Card_Pros\">TD Cash Card Pros<\/span><\/h2>\n<ul>\n<li>Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly.<\/li>\n<li>0% introductory APR* balance transfers for 15 billing cycles.<\/li>\n<li>$0 annual fee.<\/li>\n<\/ul>\n<h2><span id=\"TD_Cash_Card_Cons\">TD Cash Card Cons<\/span><\/h2>\n<ul>\n<li>Applications are restricted to residents in select U.S. states.<\/li>\n<li>Category selections are limited to once per quarter.<\/li>\n<li>Minimum threshold to redeem cash back rewards.<\/li>\n<li>Charges foreign transaction fees \u2014 3% of each transaction in U.S. dollars.<\/li>\n<\/ul>\n<h2><span id=\"TD_Cash_Card_Welcome_Offer\">TD Cash Card Welcome Offer<\/span><\/h2>\n<p>The <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> does have a welcome offer; earn $200 cash back when you spend $1,000 within the first 90 days after account opening.<\/p>\n<p>This bonus is modest, but it's a pleasant sight to see, given that the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> is a no-annual-fee product. Also, $200 cash back is equivalent to an additional 20% return on the first $1,000 you spend on the card.<\/p>\n<h2><span id=\"TD_Cash_Card_Earning_Rates\">TD Cash Card Earning Rates<\/span><\/h2>\n<p>The earning rates on the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> are a bit convoluted to manage and keep track of, but can be quite rewarding. Here's a breakdown of how they work:<\/p>\n<p>When you open your card, you'll start with:<\/p>\r\n<ul>\r\n    <li>3% cash back on Dining<\/li>\r\n    <li>2% cash back at Grocery Stores<\/li>\r\n    <li>1% cash back on everything else<\/li>\r\n<\/ul>\r\n\r\n<p>Then, every quarter you can choose your 3% and 2% cash back spending categories from:<\/p>\r\n<ul>\r\n    <li>Dining<\/li>\r\n    <li>Entertainment<\/li>\r\n    <li>Gas<\/li>\r\n    <li>Grocery Stores<\/li>\r\n    <li>Travel<\/li>\r\n<\/ul>\r\n\r\n<p>All other purchases earn 1% cash back.<\/p>\n<p>It's worth restating that you can only change these categories once per quarter. Once you make a change, it will go into effect in the next quarter. Thus, you'll need to log calendar reminders to pick your categories; otherwise, you'll potentially leave rewards on the table.<\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_TD_Cash_Card\">Redeeming Rewards With the TD Cash Card<\/span><\/h2>\n<p>One caveat about the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a>\u2018s reward structure is the threshold for cash back redemptions. While it's effectively a cash-back card, it earns points redeemable for cash back. Every dollar you spend on the card earns at least one point; a purchase in the 3% category earns three.<\/p>\n<p>To redeem your cash back on the card, you'll need to earn 2,500 points \u2014 equivalent to $25 in rewards. You'd need to spend roughly $833 if you exclusively spend within your 3% category to unlock a redemption.<\/p>\n<p> Once you reach this threshold, you can redeem points for 1\u00a2 apiece towards the category you choose: cash back, gift cards, merchandise, or travel.  Your rewards will never expire as long as your account is open and in good standing.<\/p>\n<h2><span id=\"TD_Cash_Card_Benefits\">TD Cash Card Benefits<\/span><\/h2>\n<p>Cardholders can enjoy four primary benefits. Here's an overview.<\/p>\n<h3><span id=\"Introductory_0_APR_on_balance_transfers\">Introductory 0% APR on balance transfers<\/span><\/h3>\n<p>The <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> offers 0% introductory APR* balance transfers for the first 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. For the balance transfer fee, the following applies: 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.<\/p>\n<p>Compared to other <a target=\"_blank\" href=\"\/credit-cards\/best-balance-transfer-cards\/\" rel=\"noopener\">cards offering 0% introductory APR balance transfers<\/a>, the TD Cash Card stands out; it's much longer than what many others offer.<\/p>\n<h3><span id=\"Cell_phone_protection\">Cell phone protection<\/span><\/h3>\n<p>Benefits like <a target=\"_blank\" href=\"\/credit-cards\/best-credit-cards-with-cell-phone-protection\/\" rel=\"noopener\">cell phone protection<\/a> have been crucial for me in the past when my expensive phone screen has cracked. I've used them instead of paying for expensive repairs or costly plans like AppleCare.<\/p>\n<p>The <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> features this benefit as part of being a Visa Signature card. Keep in mind that you'll need to pay your monthly cell phone bill with this card to qualify for coverage. This coverage is limited to $500 per claim, up to two claims per 12-month period, and there's a $50 deductible.<\/p>\n<h3><span id=\"Purchase_protections_and_extended_warranty\">Purchase protections and extended warranty<\/span><\/h3>\n<p>The TD Cash Card offers several protections for shoppers, as part of being a Visa Signature product. The first is purchase protection against theft and loss. This coverage protects purchases you make on your card that are stolen or damaged due to vandalism, fire, water, or certain weather conditions within 90 days of ownership. Cardholders can file a claim for up to $500 and up to $50,000 in total claims over the life of your account.<\/p>\n<p>Another benefit is <a target=\"_blank\" href=\"\/credit-cards\/extended-warranty\/\" rel=\"noopener\">extended warranty protection<\/a>, which extends the warranty by one year for select purchases with warranties of five years or less.<\/p>\n<figure id=\"attachment_166042\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-166042 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Featured-2-women-shopping-and-smiling.-buritoria-via-Adobe-Stock.jpeg\" alt=\"2 women shopping happily\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Featured-2-women-shopping-and-smiling.-buritoria-via-Adobe-Stock.jpeg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Featured-2-women-shopping-and-smiling.-buritoria-via-Adobe-Stock-300x240.jpeg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Featured-2-women-shopping-and-smiling.-buritoria-via-Adobe-Stock-768x614.jpeg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Featured-2-women-shopping-and-smiling.-buritoria-via-Adobe-Stock-325x260.jpeg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: buritoria\/AdobeStock<\/em><\/enter><\/figure>\n<h3><span id=\"Travel_benefits_and_protections\">Travel benefits and protections<\/span><\/h3>\n<p>The <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> has several additional travel protection benefits courtesy of its Visa Signature designation. These include:<\/p>\n<ul>\n<li><strong>Visa Luxury Hotel Collection:<\/strong> Improve your visit and get a special guest status at Visa Signature Luxury Hotel properties.<\/li>\n<li><strong>Lost luggage reimbursement:<\/strong> Cardholders can enjoy <a href=\"\/credit-cards\/baggage-loss-insurance\/\">lost luggage reimbursement<\/a> up to $3,000 if a checked or carry-on luggage is lost due to theft or misdirection by the common carrier. To take advantage of this benefit, you'll need to purchase your ticket with the  TD Credit Card .<\/li>\n<li><strong>Car rental benefits:<\/strong> Enjoy special savings and complimentary rental upgrades (when available) with select agencies.<\/li>\n<li><strong>Travel and emergency assistance services:<\/strong> Get emergency response by calling the Benefits Administrator.<\/li>\n<li><strong>Roadside dispatch:<\/strong> Continue your travel with 24\/7 roadside service; services rendered are pay-per-use.<\/li>\n<\/ul>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>The most significant restriction on the TD Cash Credit Card is the geographical restrictions to become a cardmember. You'll need to be living in a state that has a <a target=\"_blank\" href=\"https:\/\/www.td.com\/us\/en\/personal-banking\/store-locator\" rel=\"noopener\">TD branch<\/a>, which includes:<\/p>\n<ul>\n<li>Connecticut<\/li>\n<li>Delaware<\/li>\n<li>Florida<\/li>\n<li>Maine<\/li>\n<li>Maryland<\/li>\n<li>Massachusetts<\/li>\n<li>New Hampshire<\/li>\n<li>New Jersey<\/li>\n<li>New York<\/li>\n<li>North Carolina<\/li>\n<li>Pennsylvania<\/li>\n<li>Rhode Island<\/li>\n<li>South Carolina<\/li>\n<li>Vermont<\/li>\n<li>Virginia<\/li>\n<li>Washington, D.C.<\/li>\n<\/ul>\n<p>Geography aside, TD Bank has few of the <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a> you'll run into with other issues. There are no published limitations on the number of TD cards you can have at once, nor are there restrictions on the amount of time that needs to elapse between applications. That said, you should remember that frequent applications for credit can negatively impact your credit score.<\/p>\n<figure id=\"attachment_51528\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-51528 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash.jpg\" alt=\"a man uses his laptop at a desk\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash.jpg 2137w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-1024x818.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-1536x1228.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-2048x1637.jpg 2048w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/08\/man-laptop-working-desk-online-shopping-featured-bench-accounting-unsplash-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Bench Accounting\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Cards_That_Compete_With_the_TD_Cash_Card\">Cards That Compete With the TD Cash Card<\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-TDDoubleUpCreditCard.png\" width=\"150\" alt=\"TD Double Up\u2120 Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">TD Double Up\u2120 Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-how-apply\" data-ccid=\"4048261\" href=\"\/blog\/link\/CR-TDDoubleUpCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Unlimited 2% Cash Back on every eligible purchase<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/merchant.linksynergy.com\/fs\/banners\/40602\/40602_52.png\" width=\"150\" alt=\"Wells Fargo Active Cash\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Wells Fargo Active Cash\u00ae Card' data-ccid=\"4048251\" href=\"\/blog\/link\/CR-WellsFargoActiveCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn unlimited 2% cash rewards on purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0c7c6adf2ab68829f6cfa2299d6436287&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p>In the cash back space, there are many low- or no-annual-fee cards that compete with the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> So, if this card isn't right for you, that's okay! Here are three additional options to  view :<\/p>\n<ul>\n<li><strong>If you'd rather earn 2% cash back on all eligible purchases instead of managing spending categories<\/strong>, check out the <a data-ccid=\"4048261\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/td-double-up-credit-card\/\">TD Double Up\u2120 Credit Card<\/a>. The <a data-ccid=\"4048261\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/td-double-up-credit-card\/\">TD Double Up Card<\/a> has the same application restrictions as the TD Cash Card but offers an unlimited 2% Cash Back on all eligible purchases. It also has no annual fee.<\/li>\n<li><strong>If you're ineligible for the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> because of geographic restrictions<\/strong>, consider the <a data-ccid=\"4048251\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/wells-fargo-active-cash\/\">Wells Fargo Active Cash<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"4048251\" href=\"https:\/\/www.wellsfargo.com\/credit-cards\/active-cash\/terms\/?product_code=CC&subproduct_code=AC&FPID=0126D7I6F40000&sub_channel=AFF&vendor_code=IM\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The Active Cash Card offers unlimited 2% cash rewards on purchases and a valuable welcome offer \u2014 all with a $0 annual fee.<\/li>\n<li><strong>If you prefer a cash-back card with bonus spending categories<\/strong>, look into the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=0c7c6adf2ab68829f6cfa2299d6436287&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>). The Freedom Unlimited offers 5% on travel purchased through Chase Travel\u2120, 3% on dining at restaurants and drugstores, and 1.5% on other eligible purchases. And it has no annual fee.<\/li>\n<\/ul>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>On balance, the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> can offer plenty of  valuable things [seo_ends] to potential cardholders. Earning up to 3% cash back in the category of your choice without an annual fee attached is a great reason to consider the card in and of itself.<\/p>\n<p>However, the geographical limitations on who can apply mean it's not for all Americans. And while it does offer some benefits, like cell phone protection, the fact that you must manage your category selections each quarter might be one of the card's biggest drawbacks.<\/p>\n<p>If you don't remember to make your selection, you could lose out on valuable rewards. So, while the <a data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">TD Cash Card<\/a> has a lot of potential, you might be better off looking into easier-to-use cards that offer identical or near-identical rewards.<\/p>\n<div class=\"qs-card\" data-id=\"3006071\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">TD Cash Credit Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-TDCashCreditCard.png\" width=\"150\" alt=\"TD Cash Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"3006071\" href=\"\/blog\/link\/CR-TDCashCreditCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nSpecial Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">TD Cash Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Bonus<\/strong>\r\nSpecial Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The TD Cash Credit Card offers flexible rewards with no annual fee. Earn 3% cash back on Dining and 2% cash back at Grocery Stores when you first receive your card, then you can switch your categories quarterly between Dining, Entertainment, Gas, Grocery Stores, or Travel, plus you will earn 1% cash back on all other eligible purchases. You can also take advantage of cell phone protection and other Visa benefits.<\/div><div class=\"qs-tab-hl\"><ul>\r\n    <li>Special Offer: Earn $200 Cash Back when you spend $1,000 within the first 90 days after opening your account.<\/li>\r\n    <li>Select your top two spending categories to earn unlimited 3% and 2% Cash Back. Earn 1% Cash Back on all other eligible purchases.<\/li>\r\n    <li>Change your spending categories up to four times a year.<\/li>\r\n    <li>$0 annual fee.<\/li>\r\n    <li>Only available to residents of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><p>When you open your card, you'll start with:<\/p>\r\n<ul>\r\n    <li>3% cash back on Dining<\/li>\r\n    <li>2% cash back at Grocery Stores<\/li>\r\n    <li>1% cash back on everything else<\/li>\r\n<\/ul>\r\n\r\n<p>Then, every quarter you can choose your 3% and 2% cash back spending categories from:<\/p>\r\n<ul>\r\n    <li>Dining<\/li>\r\n    <li>Entertainment<\/li>\r\n    <li>Gas<\/li>\r\n    <li>Grocery Stores<\/li>\r\n    <li>Travel<\/li>\r\n<\/ul>\r\n\r\n<p>All other purchases earn 1% cash back.<\/p><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/TDCash\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-140f3652aa#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The TD Cash Credit Card offers 3% and 2% Cash Back on your choice of spend categories. Plus, you can switch your categories quarterly. Is it right for your wallet? Let&#8217;s examine all the details.<\/p>\n","protected":false},"author":97,"featured_media":127056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,36483],"coauthors":[36469],"class_list":["post-175602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-td-bank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/175602","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=175602"}],"version-history":[{"count":33,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/175602\/revisions"}],"predecessor-version":[{"id":242559,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/175602\/revisions\/242559"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/127056"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=175602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=175602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=175602"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=175602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}