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Renata, see if you're prequalified for this credit card or another one of our TD Credit Cards – with no impact to your credit score.**
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Hi Renata,
With the TD Cash Credit Card, earn unlimited 3% Cash Back on a Spend Category of your choice, plus another 2% Cash Back on a second category. And yes, you'll still earn 1% Cash Back on all other eligible purchases.† Plus, for a limited time, you can earn $200 Cash Back!
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| when you spend $1,000 within the first 90 days after account opening.‡ |
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| Enjoy 0% Intro APR* on balance transfers and purchases for 15 billing cycles. After that, 19.24% to 29.24% variable APR based on your creditworthiness. |
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| Grocery Stores · Dining · Entertainment · Travel · Gas Stations |
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| Cash Back on your favorite Spend Category |
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| Cash Back on your second favorite Spend Category |
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| Cash Back on other purchases |
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| No caps. No limits. No annual fee.* |
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| See if you’re prequalified today! |
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Need help or want to say hi? Find us
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*View the Important Credit Card Terms and Conditions to learn more about the introductory balance transfer offer, rates, fees, rewards program rules, and eligible purchases before applying. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.
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**A prequalification request is not an application for credit. The presentation of offers, or lack thereof, in response to a prequalification request does not constitute a credit approval or decline. Any response to your prequalification request is only an initial determination of the offers for which you could qualify. To receive a credit decision, you must still submit an application in accordance with TD Bank procedures. Checking if you're prequalified generates a soft credit inquiry that is visible only to you, unlike a hard credit inquiry, which is visible to other creditors and may impact your credit score. We use the soft credit inquiry to understand your creditworthiness.
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†What Spend Categories qualify for the 3% and 2% Cash Back Reward Tiers?
Dining, Grocery Stores, Gas Stations, Travel and Entertainment purchases all qualify for the accelerated earn.
Do I select the Cash Back options for the Spend Categories before I apply for the card?
No. If approved for the TD Cash Credit Card, Dining will be assigned to the 3% Reward Tier, and you will earn 3% Cash Back on Dining purchases. Grocery Stores will earn 2% Cash Back in the 2% Reward Tier. All other eligible purchases will earn 1% Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.
How many times can I change my Spend Category assignments?
Within 30 days of account opening, you have a one-time opportunity to change the Spend Categories that were assigned to the 3% and 2% Reward Tiers at account opening to apply during the first calendar quarter following account opening. After the first 30 days from account opening, you may change the Spend Category assignments any time during a calendar quarter to take effect at the start of the next calendar quarter. If you don’t change your Spend Category assignments during a calendar quarter, those assignments will continue into the next calendar quarter. Additional information regarding the calendar quarters can be found in the Rewards Agreement included in the Terms and Conditions during your application.
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^IMPORTANT INFORMATION REGARDING THIS OFFER
Is there a Balance Transfer fee?
You will be charged an introductory Balance Transfer fee of either $5 or 3%* of the amount of each transfer, whichever is greater during the intro period. After that, either $5 or 5% of the amount of each transfer, whichever is greater. The Balance Transfer transaction fee will be reflected on your first monthly billing statement following the transfer.
What do I need to take advantage of the Balance Transfer offer?
When requesting a balance transfer, you need the credit card account information for the balance you would like to transfer to TD Bank.
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‡
For the TD Cash Credit Card, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back Rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1,000 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.
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AUTHORIZATION AND CONDITIONS
You must be at least 18 years of age. This offer is non-transferable.
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Visa is a registered trademark of VISA International Service Association and used under license.
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TD Bank, N.A. is the card issuer/creditor of the Credit Card program described in this offer.
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To ensure future delivery of promotional messages from TD Bank to your inbox, please add email@e.tdbank.com to your address book.
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This email is an advertisement or solicitation. If you no longer wish to receive TD Bank promotional emails, please unsubscribe.
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Email Security: Protecting your privacy is TD Bank’s priority. We will never ask you to confirm your account number, PIN, password or any other personal information via email. If you are concerned that you have received a fraudulent email, proprietary information or would like to report a suspicious email, please forward
the email to phishing@td.com or contact TD Bank’s Fraud Resolution Group at 1-800-893-8554 immediately. For more information, please visit tdbank.com/security.
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For written correspondence, please contact us at:
TD Bank, Attention: Marketing
P.O. Box 9540
Portland, ME 04112-9540
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TD Bank, N.A., Member FDIC
©2025 TD Bank, N.A. and/or its affiliates. All rights reserved.
The TD logo and other TD trademarks are owned by The Toronto-Dominion Bank or its affiliates and are used under license.
All other trademarks or service marks are the property of their respective owners.
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