TD Cash Credit Card from TD Bank: annual fee, APR and rewards

Fact sheet for the TD Cash Credit Card, issued by TD Bank, with no annual fee, an intro APR offer and cash back. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	TD Bank
Network	Visa
Annual fee	$0
Rewards	Cashback: Earn 3% and 2% Cash Back on your choice of Spend Categories and switch your categories quarterly; earn 1% Cash Back on other purchases
Purchase APR	18.49%, 21.49%, 23.49%, 26.49% or 28.49%, based on your creditworthiness. All APRs will vary with the market based on the Prime Rate.
Intro APR	0% Introductory APR for the first 12 billing cycles after Account opening (purchases); 0% Introductory APR for the first 15 billing cycles, for balance transfers made within 90 days of account opening
Balance transfer fee	Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn a $200 Cash Back bonus when you spend $1,000 within the first 90 days after opening your account
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 23.99%, with a range of 18.99% to 28.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.