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
Your card estimate
Net first-year value
First year
+$500
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $900 in rewards.
SwitchWize take
Intro APR planning card
Bonus value
$200
Rewards
3% cash back
Annual fee
$0
APR
15mo 0%
Pros & cons
- No annual fee
- Strong rewards rate (3%)
- Sign-up bonus worth $200
- 15-month 0% intro APR
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 Jun 3, 2026
12-month best
$200
5 tracked observations
Signal
At or near tracked best
Last history update Jul 21, 2026
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
Product card image shown
$0 annual fee
18.49%-28.49% variable
Spend requirement: $1,000 in first 90 days
TD Bank terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 15 months. Plan the payoff before the standard APR starts.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set