TD Cash
TD Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of TD Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The TD Cash from TD Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
What does the TD Cash earn in each category?
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how TD Cash compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight other entertainment at 3x among the top bonus.
Dining is the strongest category at 3% effective value (3% back). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how TD Cash compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% Top category |
| Grocery Supermarkets and grocery stores | 3% back | 3% |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the TD Cash reward caps and conditions?
The TD Cash has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.
Who should get the TD Cash?
The TD Cash fits spenders who put meaningful volume in dining and can earn 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
TD Cash fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3% back).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
What is the TD Cash welcome bonus?
In Madeen's catalog snapshot, the TD Cash welcome offer is Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening
- Minimum spend
- $1,000
- Window
- 90Days
Does the TD Cash have an annual fee?
The TD Cash has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the TD Cash?
The TD Cash includes Booking.com, Car rental benefits, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty Protection
$10,000/yrwill add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card
Purchase Security
$10,000/yrIf an item you purchased using your new credit card is stolen or damaged due to fire, vandalism or accidentally discharged water or certain weather conditions within the first 90 days, Purchase Security can replace, repair or reimburse the eligible item
Cell phone protection
$7,200/yrGet reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Lost luggage reimbursement
$3,000/yrWhen you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000 for your checked or carry-on luggage if your luggage is lost due to theft or misdirection by the Common Carrier
Roadside Dispatch®
$1,000/yrAccess 24/7 roadside service with this pay-per-use program
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Car rental benefits
$25/yrEnjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget, and with Audi on demand you can experience up to 15% off (with a guaranteed minimum discount of 10%) on Audi rentals at all Audi on demand locations when you use your TD Bank Visa Signature card
Related encyclopedia topics
Common questions about the TD Cash
Where do cardholders spend most with the TD Cash?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on other entertainment (3x), sporting events amusement parks and museums (3x), coffee (3x) for the TD Cash. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the TD Cash have an annual fee?
The TD Cash carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the TD Cash?
Dining is the strongest Madeen category for the TD Cash at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the TD Cash charge foreign transaction fees?
The TD Cash charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the TD Cash welcome bonus?
The TD Cash welcome offer in our snapshot: Earn $200 Cash Back when you spend $1,000 within the first 90 days after account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the TD Cash?
Madeen's catalog lists a typical credit range of Good to Excellent for the TD Cash. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the TD Cash compare to similar cards?
Compare the TD Cash against TD First Class℠ Visa Signature (3% on Dining, $89 fee); Target Circle™️ Credit Card (2% on Dining, $0 fee); TD Business Solutions (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TD Cash This card | Dining | 3% | $0 |
| Dining | 3% | $89 | |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
TD Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of TD Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure