5 Things to Know About the TD Cash Credit Card

The card earns 3% cash back on dining and 2% at grocery stores, but you must live in certain states to apply.
Sara RathnerJul 20, 2021

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The can be a diner's dream, offering extra cash back whether you go out to eat or cook at home.

It has a annual fee and offers a solid sign-up bonus: .

If you live in a state where the is available, then it's an option that rivals the, another -annual-fee product that earns bonus rewards on dining and grocery store purchases.

Here are five things to know about the .


The West Coast isn't the best coast when it comes to the . To be eligible to apply for the card, you must be a resident of one of the following places:

But fear not — there are still plenty of credit cards to choose from that reward you for dining out and.

Earn 3% cash back when you dine out and 2% cash back at grocery stores. All other purchases earn 1% cash back. How much can that net you?

Let’s say you spend $500 a month at restaurants and $500 a month at grocery stores. Including the sign-up bonus, you’ll earn $450 in cash back for the year (and that doesn’t take into account any other spending that will earn 1% cash back).


As much as the focuses on cash back (it's in the card's name, after all), you actually have a variety of choices when redeeming points. In addition to getting cash back in the form of a statement credit or direct deposit into your bank account, you can also redeem points for travel, gift cards and merchandise.

Points are worth 1 cent apiece when you redeem them for cash back, and at least 1 cent apiece when you redeem for travel or gift cards. Point values also vary when you redeem for merchandise. If you opt for cash back, you must redeem a minimum of 2,500 points.

The card offers an intro . The 3% balance transfer fee is on the lower end of typical balance transfer fees, which generally range from 3%-5%.

This makes the a solid choice for anyone needing some time to pay down a credit card balance.


If you need a credit card that can handle international travel, look for two things: worldwide acceptance at overseas merchants and no foreign transaction fees.

As a Visa, the passes the first test. But its 3% foreign transaction fee means it will be expensive to use when you travel internationally.


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