Is the TD Cash worth it?

MoneyRoom Card Score

8.0/ 10

Usable value10.0

Effort10.0

Earning3.3

Only for a TD customer who'll set their choices once and forget them: you choose every bonus rate on this card, we don't count chosen rates, and the card without them earns 1.0%.

How the 0–10 Card Score works

Data: MoneyRoom card catalog (details pending verification are flagged) · scores update daily · catalog data as of 2026-09-30 (source: www.td.com) · How we verify

The TD Cash takes choose-your-categories all the way: you pick the bonus categories, and everything else earns the base rate. Our oldest rule is that chosen rates never count, so to us it's a card with no guaranteed bonus at all — about 1.0% back and an earning score of 3.3, lifted to an overall score of 8.0 entirely by having no fee and no upkeep.

The gap between that number and the real card is wide, and it only goes one way: if you set the choices to your real spending once, you collect bonus rates this page won't promise. We'd rather print the minimum and explain the upside than average a guess.

Credits vs. fee

No annual fee to cover.

Typical value applies our published discounts for what makes credits easy to miss: deadlines, limits on where you can use them, enrollment (switching a credit on once), and waiting to be paid back.

This card has no recurring statement credits. There's nothing to enroll in, track, or lose — the list is empty by design.

The fine print that matters

Why is typical value less than face value?

How you choose decides everything: the bonus rates apply to set lists of categories, you can change them now and then, and anything you didn't choose earns the base rate. TD's banking handles redemption, easiest with a TD account. The advice fits in one sentence — pick your two biggest real categories on day one and never touch them again — and the warning fits in another: if you skip that step, you're carrying a plain base-rate card with extra steps.

Earning

What does everyday spending actually earn?

Rewards come as cash back, worth exactly what it says. On our published mix of everyday spending, that works out to 1.0% back.

Category	Rate	After spending caps	Note
Dining	1%	1.00%	Has conditions — counted at the base rate
Groceries	1%	1.00%	Has conditions — counted at the base rate
Gas	1%	1.00%	Has conditions — counted at the base rate
Flights booked direct	1%	1.00%	Has conditions — counted at the base rate
Hotels booked direct	1%	1.00%	Has conditions — counted at the base rate
Everything else	1%	1.00%

Not in the score

What does the score leave out?

Every category you choose. The card's whole pitch, and all of it by choice. If you choose well, your real rate is well above this page's minimum.
The TD relationship. Redemption and service assume you're near TD; the card is better if you are.
The welcome offer. One-time, so the score leaves it out.

Your own numbers

See if it pays for itself for you.

The score assumes a typical cardholder. The free Annual Fee Calculator loads this card's real credits and fee and lets you enter what you'd actually use — no account needed.

Run this card in the calculator Track your own cards free

Keep comparing

More card scores.

Questions

Common questions before you apply.

Why does the TD Cash score only its base rate?
Because every bonus rate needs you to choose it, and we never count a rate that depends on a choice — the same rule for every choose-your-category card we publish. What's guaranteed is 1.0%.
Is the real card better than the score?
If you choose once, yes, by a lot: set the choices to your real top categories and they work like fixed rates. The score assumes a cardholder who never sets anything up — and card issuers design for that cardholder on purpose.
Who should skip it?
Anyone who won't do the one setup step, and anyone who doesn't bank near TD — a card with fixed categories or one flat rate gives you more with no decisions.