Cardflare

TD Cash Credit Card

TD Bank

Key facts

  • Annual fee$0
  • RewardsCash back
  • Everything else earns1% back
  • Minimum credit score670

Earn rates

One flat rate: 1% back on purchases. The catalog records no bonus categories for this card.

Rotating categories

3% back on up to $2,500 of spend a quarter, in the categories the issuer sets each quarter.

Categories seen in the catalog: Dining, Groceries, Gas, Entertainment, Travel (other).

Rates with conditions

  • 2% back on Dining — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Entertainment — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Gas — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Groceries — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Travel (air) — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Travel (hotel) — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)
  • 2% back on Travel (other) — Only the one 2% Spend Category chosen for the quarter (Dining, Entertainment, Gas, Grocery Stores or Travel) (not superstores, warehouse clubs)

Signup bonus

$200 after $1,000 of spend in the first 3 months.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with TD Bank; the card name is its owner's trademark.

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