Td Cash Review 2026
Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worth
See offerYou'll leave SwitchWize. Verify terms with the issuer.
SwitchWize earns nothing if you apply for this card.
Your card estimate
Net first-year value
First year
+$0
Rewards + bonus - fee - interest drag
Ongoing year
+$0
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Rewards
See terms
Annual fee
$0
APR
18.49%-28.49%
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Offer history
How today's bonus compares
Current public welcome offer
$200
Observed Aug 27, 2026
12-month best
$200
10 tracked observations
Signal
At or near tracked best
Last history update Aug 27, 2026
Current offer is near the observed high. Tracked since Jun 3, 2026, range $200–$200 across 10 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (2026-06-03 00:00:00+00). Tracked since Jun 3, 2026 across 10 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
18.49%-28.49% variable
Verify spend requirement
TD Bank terms control approval, pricing, and rewards
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
Bottom line
Is Td Cash worth it?
Special Offer: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worth
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term