TD Cash Credit Card: Customize Your Rewards to Suit Your Preferences! 

One of the biggest problems many people can find when choosing a credit card is the form of rewards designed for each profile and each audience. After all, you can enjoy traveling and online shopping to the same extent and intensity. TD Cash Credit Card understands the needs of its customers precisely regarding these points.

The TD Cash Credit Card project is bold, as it offers one of the most essential forms of autonomy everyone always seeks in any financial product: effectively owning their own money.

As part of its bold proposition, the TD Cash Credit Card allows each new customer to define which consumption categories they want to receive the most rewards in. Of course, there is a list of the most popular options, but something needs to be pre-defined. With each new account, there is a new way of using the card and definitely a more satisfied customer on the other side of the cell phone.

Are you interested init? So, take the opportunity to learn in detail how the TD Cash Credit Card works and how to get your card!

Tailored Rewards for Every User Profile: Unveiling the Exclusive Offering of TD Cash Credit Card

With a $0 annual fee, the TD Cash Credit Card is one of the most attractive financial products on the market. The card innovates by offering high cashback rates with zero annual fees, enabling each customer to personalize their rewards or ensure that their money is theirs.

In addition to this first advantage, another that stands out is the welcome cashback. With the card, each customer who completes US$500 in purchases in the first 90 days after opening the account earns US$200 back as a credit on their statement.

In other words, almost half the amount is spent in cashback, making the TD Cash Credit Card a grand champion in the financial market.

In the same vein as other credit cards, the TD Cash Credit Card also offers an introductory APR with 0% on fees for the first 15 months of using the card.

Although cards like the Citi Rewards+® Card or the Wells Fargo Reflect® Card offer this same opportunity — and, in the case of Wells Fargo, for much longer — no other similar products offer such robust and attractive cashback as the TD Cash Credit Card.

Therefore, if you choose the TD Cash Credit Card just for this advantage over the APR, it may be worth looking for another financial product, especially since its rate after the introductory period can reach up to 30.24%, one of the highest rates in the world. 

However, we have yet to see a more attractive proposal regarding the fee for transferring balances between credit cards. Each time the customer requests a balance transfer, the TD Cash Credit Card determines the fee amount to be charged, 3% or US$5, whichever is greater.

Tailor Your Rewards to Your Top Spending with the TD Cash Credit Card

What do you consume most? What are the niches in which you use credit cards as a payment method the most?

Using the TD Cash Credit Card as your primary payment method, you can customize two categories in which you want to receive more cashback, one at 3% and the other one at 2%.

The current TD Cash Credit Card list includes the following categories:

• Restaurants;
• Entertainment;
• Expenses in food in supermarkets;
• Trip;
• Fuel.

Once you choose two of these categories to prioritize your rewards, all the others start to generate 1% cashback on all purchases.

By default, from the moment your card reaches you, the categories that will deliver the highest percentage of cashback are restaurants and supermarkets. However, at any time, you can change which categories will be prioritized for payment of greater cashback. Although this flexibility, you must be careful and pay attention when making the change, as the change will only occur in the following quarter.

The TD Cash Credit Card may not seem very innovative, especially since other products also allow customization of categories to earn more cashback.

However, the TD Cash Credit Card proposal stands out for a single factor: the reward payment is unlimited.

In other words, everything will always generate a balance, regardless of how much has already been spent.

Effortless Redemption: Simplifying Rewards with the TD Cash Credit Card

As we have seen so far, the TD Cash Credit Card proposes to enable you to become the owner of your money at all times, including when using your rewards.

By definition, the entire cashback balance generated in a billing cycle will be available as a refund on your statement. However, the card also offers a series of balance redemption options, which can guarantee planning a trip or even depositing the amount directly into your bank account.

Each point is always worth 1 cent, regardless of which category is applied when receiving the refund. So, when redeeming directly for merchandise, you need to keep an eye on the minimum value to be converted, which is 2,500 points.

Drawbacks of Accessibility Limitations for the Card

Unfortunately, there is a giant negative point about this product: it is not accessible to anyone in the USA. To request your card, you must reside in one of the cities listed by the bank. The list is constantly updated as the proposal expands across the country. 

So, maybe one day, hopefully, your city will appear on the list and you will be able to take advantage of this card. Or it is already on the list. Be sure to check it out, as the benefits of this product are desirable for anyone who wants to optimize their spending and organize their financial life.

Additionally, the card charges a 3% fee on every transaction made outside the US. This may make it not one of the best options if you use it as your primary payment method on your trips.

Still, for those who live in New York or even Washington, D.C., the TD Cash Credit Card is certainly one of the best options in the current financial market.

To request yours, simply fill out your proposal. Approval is quick for those with a credit score between good and excellent.