5 Things to Know About the TD Cash Credit Card

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When the majority of the line things on your credit card statement involve spending for food, it’s time to obtain a card that awards you deliciously. The TD Cash Bank Card is a restaurant’s desire, offering extra money back whether you head out to eat or prepare at home.

Discover more The card additionally has a$ 0 yearly fee, and it provides a strong sign-up incentive: Earn $150 Money When you invest$500 within 90 days after account opening. With these features, it matches the Resources One ® SavorOne ® Cash Money Rewards Charge Card, one more $0-annual-fee alternative that earns extra money back for eating, enjoyment as well as food store acquisitions.

Nonetheless, there are geographic restrictions that might lead you to seek various other choices. Below are five points to learn about the TD Cash Money Bank Card.

” MORE: NerdWallet’s best credit cards for restaurants

1. You have to reside in specific states to use

The West Coastline is not the very best shore when it involves the TD Money Credit Card. To be qualified to request the card, you should be a resident of one of the following places:

  • Connecticut
  • Delaware
  • Florida
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • North Carolina
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Virginia
  • Vermont
  • Washington, D.C.

. The exception would certainly be if you occur to have one more account with TD Financial institution. If that’s the case, you can use over the phone. However worry not– there are still lots of credit cards to select from that benefit you for dining out as well as food store costs.

2. The additional cash-back categories are foodie-friendly

Earn 3% cash money when you dine out and also 2% cash back at food store. All various other purchases make 1% cash money back. Just how much can that internet you?

Allow’s say you invest $500 a month at restaurants and also $500 a month at supermarket. Consisting of the sign-up bonus, you’ll earn $450 in cash back for the year (which doesn’t think about any type of various other costs that will make 1% cash money back).

” EVEN MORE: Just how to choose a dining-rewards credit card

3. Redeem for more than cash back

As high as the TD Cash Credit Card concentrates on cash money back (it’s in the card’s name, besides), you in fact have a variety of choices when redeeming factors. Along with obtaining money back in the kind of a declaration credit score or direct deposit right into your bank account, you can also retrieve factors for traveling, present cards and also goods.

Points are worth 1 cent apiece when you retrieve them for cash back, as well as a minimum of 1 cent each when you retrieve for travel or present cards. Factor worths also vary when you retrieve for goods. If you select cash money back, you need to retrieve a minimum of 2,500 factors.

4. There’s a good intro APR deal on equilibrium transfers

The card supplies an introductory 0% Initial APR on Equilibrium Transfers for the initial 15 billing cycles after Account Opening, and after that the recurring APR of 14.74%, 19.74% or 24.74%, Variable. The 3% balance transfer cost is on the reduced end of normal balance transfer costs, which generally vary from 3-5%.

This makes the TD Money Bank card a solid option for any person needing some time to pay down a bank card balance.

” EVEN MORE: NerdWallet’s finest balance transfer cards

5. It makes a good travel companion

If you require a credit card that can handle international traveling, search for two things: globally approval at abroad sellers and no foreign purchase costs. In between its 0% foreign deal charge and the truth that it’s a Visa card, the TD Cash Charge card passes both examinations.