Choose your Spend Categories

Earn more on the things you buy the most.

Every quarter, you can choose your 3% and 2% Spend Categories, plus you'll always earn 1% on all other purchases.

When you open your card, you'll start with 3% Cash Back on dining, 2% at grocery stores.3

And then every quarter, you can choose from these Spend Categories:

  • Dining
  • Entertainment
  • Gas Stations
  • Grocery Stores
  • Travel

*Read Important Credit Card Terms and Conditions to learn more about the introductory balance transfer offer, rates, fees, rewards program rules, and eligible purchases before applying. 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.

For 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.

2To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features.

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.

Spend 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. Superstores and warehouse clubs will only qualify for one (1) point, regardless of merchant category code (MCC). For complete rewards details, please read important 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.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

4These offers are available for TD Bank Cardholders who have eligible TD Bank credit and debit cards. Eligible credit cards include open, US issued TD Bank consumer and small business credit cards. TD Bank commercial, corporate, co-brand partner, and private label credit cards are not eligible for these offers. Eligible debit cards include active TD Bank Visa® Debit Cards.

5TD Bank Cardholders receive a 15% discount, applied at checkout, at the ProShop Powered by ’47, located at The Hub on Causeway, 84 Causeway St, Boston, MA. Use your TD Bank credit or debit card at checkout to apply the discount to your purchase. Discount is valid in-store only and cannot be applied at bostonproshop.com. Offer is not valid on prior purchases, cannot be combined with any other offers, and is not redeemable for cash. Offer is not valid on the following items: charitable items, customized items, or gift cards. Other exclusions and limitations may apply. Offer is subject to availability and may be revoked or modified at any time without notice. See ProShop for details. Offer expires on 6/30/25.

TD Bank Cardholders can, up to two times before the expiration date of 6/30/25, access up to 6 complimentary passes per visit to tour The Sports Museum and Heritage Hall housed on levels 2, 5 and 6 of TD Garden. To redeem and schedule your tour, please visit The Sports Museum’s Information Kiosk located outside of the ProShop Powered by ‘47 in North Station and present your TD Bank debit or credit card. Please note: This offer is subject to availability, valid on Public Tours only, and cannot be booked online. Offer is not redeemable for cash and is not valid on previous purchases. Additional limitations may apply. Visit The Sports Museum’s website and Information Kiosk for details. Offer may be revoked or modified at any time without notice. Please check www.sportsmuseum.org before planning your visit to The Sports Museum/Heritage Hall, as the spaces may be closed due to TD Garden events, holidays or private events.

TD Bank Cardholders have access to FREE popcorn at any Hub Hot Dog Concession Stand on Level 4 or 7, at the counter at Society Provisions on Level 5, or at the Bud Light Top Shelf Bar on Level 8. Guests must present an eligible credit or debit card at time of redemption. Delivery of the item is the sole responsibility of the concession stand and requires no purchase. One unit of popcorn per Cardholder per day while supplies last. Offer is subject to availability and may be revoked or modified at any time without notice.

Visa is a registered trademark and service mark of Visa International Service Association and is used by TD Bank, N.A. pursuant to a license from Visa U.S.A. Inc.

©2025, TD Bank, N.A. The TD logo and other TD trademarks are owned by The Toronto-Dominion Bank or its affiliates and are used under license. All other trademarks or service marks are the property of their respective owners.

§Information contained in your credit report was used in connection with this offer. You received this offer because you satisfied our preestablished criteria for creditworthiness used to select individuals for this offer, and based on an initial determination that you met TD Bank, N.A.’s credit standards. TD Bank, N.A. maintains the right to either reduce or not extend the credit at all if, after you respond, we find 1) we are unable to confirm you are the person to whom the offer was made, or any information you provide to us is incomplete, inaccurate or unverifiable; 2) we determine that you no longer meet the criteria used to select you for this offer or any other criteria bearing on your creditworthiness. Also, in rare circumstances, we may not extend the credit based on information in an additional credit report.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on the information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call 1-888-567-8688 toll free, or write Equifax, Inc., (P.O. Box 740241, Atlanta, GA 30374), Experian Opt Out (P.O. Box 919, Allen, TX 75013) and Transunion Name Removal Option (P.O. Box 505, Woodlyn, PA 19094).

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