TD Cash Credit Card Review 2026: Pick Your 3% Cash Back

Most cash back cards decide where you earn your best rate. The TD Cash Credit Card hands you the menu instead: you pick your own 3% and 2% categories and can swap them every quarter. That flexibility is rare on a no-annual-fee card, but there is one big catch involving where you live.

Here is our full TD Cash credit card review, with the exact numbers as of July 2026.

TD Cash Credit Card: Key Facts at a Glance

How the Choose-Your-Categories Cash Back Works

TD gives you a menu of five categories: dining, entertainment, gas, grocery stores, and travel. You pick one to earn 3% cash back and another to earn 2%. Everything else earns 1%.

You can change your picks each quarter, and your earnings are unlimited. There are no spending caps in the bonus categories, which beats rotating-category cards that cut you off at $1,500 per quarter.

Here is what that looks like in practice. Say you spend $400 a month on groceries and $150 a month on gas. Set groceries at 3% and gas at 2%, and those two categories alone earn $180 a year, before counting 1% back on the rest of your spending.

The one quirk: your choice locks in for the quarter. A summer of road trips or a holiday travel season pays best when you plan your categories ahead of time.

Welcome Offer and Intro APR

As of July 2026, the TD Cash Credit Card offers a $200 bonus after you spend $1,000 in the first 90 days. That is one of the easier spend requirements among cash back cards, since about $334 a month in regular purchases gets you there.

Balance transfers get a 0% intro APR for 15 months. There is no intro APR on purchases, though. After the intro period ends, the variable APR is 19.24%, 24.24%, or 29.24% depending on your creditworthiness. A balance transfer fee applies to each transfer, so check your exact terms before moving a balance.

Fees, Broken Out

• Annual fee: $0
• Foreign transaction fee: 3% of each purchase, so leave this card at home on international trips
• Balance transfer fee: applies per transfer and is disclosed in your card terms
• Late payment fee: applies if you miss a due date, and missed payments can also trigger a higher rate

APRs vary by creditworthiness. Terms and conditions apply.

The East Coast Catch

This is the limitation that surprises most applicants. As of July 2026, TD Bank credit cards are only available to residents of Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D.C.

TD Bank's branch network runs from Maine down to Florida, and its card footprint follows it. If you live outside those states, you cannot open the TD Cash Card no matter how strong your credit is.

Who the TD Cash Card Fits

Strong fits:

• You live in a TD state and want control over your bonus categories
• Your spending shifts season to season, like groceries in winter and travel in summer
• You want a $200 bonus without a huge spend requirement

Weak fits:

• You travel abroad often, since the 3% foreign transaction fee stings
• You want a 0% intro APR on new purchases, which this card does not offer
• You live outside the eligible East Coast states

If You Cannot Get the TD Cash Card

Approval typically takes good credit, around 670 or higher based on our research, and TD runs a hard inquiry when you apply.

If your application gets denied, the Aspire Mastercard is a common stepping-stone. It is unsecured with no security deposit, accepts applicants starting around 580 FICO, reports to all three bureaus, and pays up to 3% cash back, so you can build the on-time history the TD Cash Card wants.

Prefer to skip the credit check entirely? The Perpay Credit Card is powered by your paycheck. Payments come straight out of direct deposit, there is no security deposit and no credit score required to start, it earns 2% rewards, and members see an average 30-point score increase.

The Arro Card is another no-deposit starter option. There is no hard credit check, your limit starts around $300 and can grow toward $2,500 through simple in-app tasks, and it pays 1% cash back on gas and groceries.

What Users Commonly Report

Reviewers often praise the category flexibility, noting that few no-annual-fee cards let them move their 3% rate as their spending changes. Many users also like that the cash back has no caps and redeems easily as a statement credit.

A common complaint is that category changes lock in for the quarter, so a mistimed pick costs real money. Some users also report slow customer service response times, and shoppers outside the East Coast are frustrated they cannot apply at all.

Frequently Asked Questions

What credit score do you need for the TD Cash Credit Card?

Based on our research, approved applicants typically have good to excellent credit, around 670 or higher. TD does not publish an official minimum, and approval also depends on your income and existing debt.

Can I get the TD Cash Card if I do not live on the East Coast?

No. As of July 2026, TD Bank credit cards are limited to residents of 15 East Coast states plus Washington, D.C. If you live elsewhere, you will need a nationally available cash back card instead.

How often can I change my 3% and 2% categories?

You can update your choices each quarter. Picks apply going forward, so set your categories before a season of heavy spending rather than after.

Does the TD Cash Credit Card have an annual fee?

No, the annual fee is $0. Watch the 3% foreign transaction fee and the variable purchase APR of 19.24%, 24.24%, or 29.24% if you ever carry a balance.