Does the TD Cash have an annual fee?

No. Our record lists a $0 annual fee for the TD Cash.

What does the TD Cash earn?

3% on Gas Stations, 2% on groceries, 2% on dining, and 1% on other purchases.

Is the TD Cash worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations), the first year comes out around $380 before credits, including a welcome bonus valued at $200. Year two drops to about $180 before credits.

What credit do I need for the TD Cash?

Our record lists "Good" credit as the typical target for the TD Cash. TD Bank makes the final decision based on its own criteria.

TD Cash Credit Card

TD Bank

No Annual Fee

Annual Fee

visaGoodno-annual-fee17 days ago

Welcome Offer

$200Spend $1,000 within 3 months

OpenCard analysis

Is the TD Cash Credit Card right for you?

The TD Cash is a no-annual-fee cash-back card from TD Bank. Its strongest everyday earning is 3% on Gas Stations, with 1% on most other purchases. With no fee, the question is simply whether 3% on Gas Stations beats what your current card earns there.

Who it's for

✓ People who spend steadily on Gas Stations, where it earns 3%
✓ Anyone who wants Gas Stations rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Gas Stations — everything else earns 1%

First-year value estimate

Welcome bonus

$200

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$380

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gas Stations (3%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
Welcome bonus: the $200 bonus at face value ≈ $200.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.

How it compares

Blue Cash Everyday →

American Express, same $0 annual fee; earns 3% on gas.

AARP Essential Rewards Mastercard from Barclays →

Barclays, same $0 annual fee; earns 3% on gas stations and drugstores.

Navy Federal cashRewards →

Navy Federal Credit Union, same $0 annual fee; earns 2% on Gas Stations.

Compare side by side →

Rules and gotchas

The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.

Frequently asked questions

Does the TD Cash have an annual fee?: No. Our record lists a $0 annual fee for the TD Cash.
What does the TD Cash earn?: 3% on Gas Stations, 2% on groceries, 2% on dining, and 1% on other purchases.
Is the TD Cash worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas Stations), the first year comes out around $380 before credits, including a welcome bonus valued at $200. Year two drops to about $180 before credits.
What credit do I need for the TD Cash?: Our record lists "Good" credit as the typical target for the TD Cash. TD Bank makes the final decision based on its own criteria.

Earning Rates

3×Gas Stations3% cash back at gas stations

2×Groceries2% cash back at grocery stores

2×Dining2% cash back at dining (restaurants)

1×All Other Purchases1% unlimited cash back on all other purchases

Other Benefits

Cell phone protection

Cell phone protection up to $600 for stolen/damaged phones

0% intro APR

0% intro APR for 15 billing cycles on balance transfers

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

Last Updated: Oct 2, 2026