The TD Cash Credit Card has an offer for $150 bonus cash when you spend $500 within the first 90 days. For a card with no annual fee, that’s a very generous welcome bonus. See our list for more cash back credit cards such as the Chase Freedom card.
The TD Cash card is a simple cash back card that favors foodies. It offers 3% back on dining and 2% back on groceries. So you’ll put the card to good use whether you’re eating out or cooking at home.
But there’s a catch. If you don’t already bank with the issuer, you have to live in a state where TD Bank operates in order to apply.
*Check out TD Bank bonuses for Checking & Savings accounts.
TD Cash Card $150 Bonus Cash Offer
Take advantage of the TD Cash card’s $150 bonus cash offer. To qualify, charge at least $500 to your card within 90 days of opening your account. That’s an incredible 40% return for your spending. You’d be hard-pressed to find welcome bonuses like this on other no-annual-fee cards.
Here are some ideas on meeting the spending requirement.
Earning TD Cash Rewards
The TD Cash card offers foodie-friendly bonus categories:
- Unlimited 3% cash back on dining. Anything from casual to fine dining qualifies.
- Unlimited 2% back on groceries. Unfortunately, superstore and warehouse club purchases do not apply.
- Unlimited 1% back on all other purchases.
How much cashback rewards can you earn? Have a look at an example below:
|Category||Annual Spend||Cash Back Earned|
For this hypothetical first year as a cardmember, the return rate is approximately 3.3%. That’s a very good return, especially for a low-cost card.
Redeeming TD Cash Rewards
Although it’s a cash back card, TD Cash rewards come in the form of points and can be used a number of ways:
- Direct deposits ($0.01 per point)
- Statement credits ($0.01 per point)
- Travel (at least $0.01 per point)
- Gift cards (at least $0.01 per point)
- Merchandise (varies)
If you opt for cash back, you must redeem a minimum of 2,500 points (or $25).
TD Cash Card Availability
The TD Cash credit card is limited to within the issuer’s network. That includes:
- New Hampshire
- New Jersey
- New York
- North Carolina
- Rhode Island
- South Carolina
- Washington, D.C.
Otherwise, you’ll need to consider other credit card options.
The TD Cash credit card is a basic rewards card that’s best suited for frequent diners and grocery shoppers who live in areas served by TD Bank.
The TD Cash card is up against some stiff, no-annual-fee competition, including Capital One SavorOne Cash Rewards. And the TD Cash card has the upper hand in one area: its $150 sign-up bonus.
But if you’d rather have better ongoing rewards than a big, short-term bonus, there are plenty of other low-cost cards that offer higher cashback rates.
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