View the Personal Credit Card Agreement for the TD Cash Credit Card.
*Read important Credit Card Terms and Conditions for details about rates, fees, eligible purchases, balance transfer and rewards program rules. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.
1For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back Rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $1,000 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.
2Spend Categories:
Every quarter, choose your 3% and 2% Spend Categories, and earn 1% on all other purchases. At time of card opening, the card Spend Categories will default to 3% Cash Back on Dining, and 2% at Grocery Stores. Each quarter, you can choose to change your Spend Categories. Each Spend Category represents Purchases that are grouped by the type of goods and services sold by the merchant, based on that merchant’s Spend Category Code (“MCC”). Merchants who accept Visa credit cards are assigned an MCC, which is determined by the merchant or its processor in accordance with Visa procedures and is based on the kinds of products and services they primarily sell. We do not determine which MCC a merchant uses. For complete rewards details, please read Important Credit Card Terms and Conditions.
Within 30 days of account opening, you will have a one-time opportunity to change the Spend Category that was initially assigned to the 3% and 2% Reward Tiers at account opening. This change will apply during the first calendar quarter following account opening.
Dining: The Dining Spend Category may include merchants that are primarily sit-down, fine dining and/or fast-food restaurants.
Entertainment: The Entertainment Spend Category may include merchants with their primary business is for recreational and entertainment services including movie theaters, ticket agencies, amusement parks and tourist attractions.
Gas Stations: The Gas Stations Spend Category may include merchants selling automotive gasoline at the pump or inside the station.
Grocery Stores: The Grocery Stores Spend Category may include merchants that offer a full line of groceries including a deli, bakery and meat department. Their primary products include grocery items and include smaller convenience stores and bakeries.
Travel: The Travel Spend Category may include merchants offering the purchase of airline tickets, hotel stays, car rental agencies, train tickets, bus lines, travel agencies, cruise lines along with parking and tolls.
3Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.
4To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features.
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