TD Cash Credit Card Review

TD is primarily a Canadian bank, but they do have financial products available in the United States. In this post, we’ll review the TD Cash Credit Card (U.S.).

Key features

  • Annual fee: $0

  • Welcome bonus: $200 after $500 in spend within the first 90 days of account opening

  • Spending Multipliers:

    • Earn 3% cash back on dining

    • Earn 2% cash back on at grocery stores

    • Earn 1% cash back on all other purchases

  • No foreign transaction fees

State Restrictions

At first glance, the TD Cash Credit Card might seem like a good option, but the card is only available in select states where TD has a footprint:

  • Connecticut

  • Delaware

  • Florida

  • Maine

  • Maryland

  • Massachusetts

  • New Hampshire

  • New Jersey

  • New York

  • North Carolina

  • Pennsylvania

  • Rhode Island

  • South Carolina

  • Virginia

  • Vermont

  • Washington, D.C.

If you don’t live in any of the above states, then there are a handful of alternative options.

Alternative Credit Card Options

Below are a few alternatives that earn a higher or equal spending multiplier than the TD Cash Credit Card.

3% on dining

2% on grocery stores

  • Travel: Amex Gold (4x on up to $25,000 per the calendar year at US supermarkets)

  • Cash back: Amex Blue Cash Everyday (BCE) (3% w/ $6,000 cap/year)

1% on all other purchases

  • Cash back: Citi Double Cash (2%), Fidelity Rewards (2%), PayPal MC (2%)