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Touchdown! How This TD Bank Credit Card Grabbed Our Attention

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TD Cash Credit Card

TD Cash Credit Card

I don’t pay much attention to TD Bank when it comes to earning rewards in big chunks.  I’d be surprised if anyone does. I haven’t spent more than a fleeting moment thinking about TD since the old Aeroplan card days – until recently.  In the latest pile of junk mail, my wife received an offer for the TD Cash credit card.  I was pleasantly surprised at what we found.  Today, I’m describing the welcome offer, ongoing spending highlights of the card, and why we (and you) should consider TD in the future.

TD Cash Credit Card Welcome Offer

New TD Cash cardholders earn $150 cash back after spending $500 within the first 90 days of opening the account.  Also, cardholders earn 5% cash back on gas purchase for the first six months, up to $6k of spend.

A $150 signup bonus isn’t exactly a windfall, but one cannot dispute that excellent 30% return on such a low spend requirement.  On top of this, picking up 5% cash back on gas purchases is undeniably solid, even if TD throttles it to $6k spend.  Even better, this comes from a no annual fee card.

The good news continues when we look at ongoing spend angles.

TD Cash Credit Card
Source: TD Bank.

TD Cash Credit Card Earning

TD Bank employs an interesting, fairly simple 3/2/1 earning structure with the TD Cash card.  A cardholder can choose to earn unlimited 3% cash back from one of five spending categories: travel, gas, groceries, entertainment, or dining.  Next, the cardholder can pick an additional spend category to earn 2% cash back.  All other spending earns 1% cash back.

In my view, the standout here is unlimited 3% cash back at grocery stores from a no annual fee card.  Sure, cards like the Citi Premier earn cashout fans 3% back, but that card carries a $95 annual fee.  I can probably count on one hand how many no annual fee cards offer unlimited 3% cash back on grocery store spend.  The BPme Rewards Visa from FNBO is the only one I can think of right now.

A Few Other Cards Worth Noting

TD Bank issues my beloved Target RedCard Mastercard, which I enjoy using for 5% back on Target purchases and other experiments.  They also offer 2% cash back everywhere credit cards, both personal and business versions with small welcome offers.  In my view, individuals who aggressively spend often find ample utility for such cards, especially ones from more obscure banks.


It turns out my wife’s TD Cash credit card snail mail offer isn’t a targeted one.  I was able to pull up the same offer on the TD site minutes ago.  We’re not quite ready to pull the trigger on applying for the card, but it’s definitely on our list for the future.  I imagine this card is a great fit for many right now.  Earning 3% cash back at grocery stores along with a solid welcome offer from a no fee card is a well-rounded package.  Do you hold this or any other TD cards?  What’s your favorite part?

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Benjy Harmon
Benjy Harmon
Benjy focuses on the intersection of points, travel, and financial independence (FI). An experienced world traveler, husband, and father, he currently roams throughout the USA close to expense-free. Benjy enjoys helping others achieve their FI and travel goals.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Tried to apply and got this message after entering my address:

    “We’re sorry! You have entered an address that is not within the TD Bank footprint(CT, DE, FL, ME, MD, MA, NC, NH, NJ, NY, PA, RI, SC, VA, VT, DC).”

  2. I once flew to Miami, opened a UPS box to have a local address, applied for a TD bank checking account, flew home, applied for the TD Bank CC and was denied. This is back when the 5% grocery was uncapped. Thought it was worth a try! Haha

  3. Applied for and received this card about 4+ years ago. Then the bonus was $200 for $500 spend. Once I got that I didn’t use nor close the card. They would send me email reminders to use it. After not using they wouldn’t send me a new card so no current card. I called once and they said I could close it. But didn’t want to have it affect my credit score. Anywho after all that I wonder if I could get another one…

    • Deva,
      I’d call TD one more time to double check the status of your account. If you indeed have no active account but are still interested in the card, it may be worth applying again.

    • Mark,
      Yes, that’s another solid option, for people who can get approved for a Capital One personal card and don’t have higher card priorities with them. Unfortunately, approval’s a wild card with such an unpredictable bank.


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