TD Bank
Rewards & Earn Rates
1%
Other
Choose your 3% and 2% Spend Categories each quarter from Dining, Entertainment, Gas, Grocery Stores and Travel | New accounts start with 3% on Dining and 2% at Grocery Stores | 1% cash back on all other purchases
Why We Choose It
The TD Cash Credit Card has no annual fee and lets you pick a 3% and a 2% Spend Category each quarter from dining, entertainment, gas, grocery stores and travel, with 1% on everything else. It charges a 3% foreign transaction fee, so it's a card for spending at home. It suits someone whose top categories change through the year.
Pros & Cons
Pros
- No annual fee
- Choose your 3% and 2% Spend Categories every quarter
- 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles
Cons
- 3% foreign transaction fee
- 18.49% to 28.49% variable APR after the intro period
- Balance transfers must be completed within the first 90 days for the intro rate
Some links on this page are affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.
