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New Cash Rewards Credit Card from TD Bank

[Monday, January 25th, 2016]

Good news for foodies: a new credit card from TD Bank offers 2% cash back on all dining purchases and 1% cash back on everything else. There are none of the common fees for the card—no annual fee, and no fee for using it overseas. The 0% foreign transaction fee makes the card especially attractive for globetrotters.

The TD Cash Visa Signature Credit Card is accepted everywhere that takes Visa as a form of payment, and offers a package of perks for cardholders, as well as a balance transfer offer for those wanting to pay down their debts from another card.

There are also no limits on the amount of cash back folks can earn, and no revolving categories to keep track of. On the other hand, the 2% back at restaurants is the biggest amount of cash back offered. Cards that give rewards in rotating categories that change with the seasons usually offer 5% cash back on purchases, up to a maximum of $75 each quarter.

“Today’s credit card consumers are savvy and demanding. They want simplicity and generous rewards, without restrictions in their credit card reward program,” said Julie Pukas, head of services at U.S. Bankcard. “Our TD Cash credit card offers both, making it a better option for their everyday use.” The 2% cash back can be used, said Pukas, whether folks are grabbing a cup of coffee, buying a sandwich at the corner deli, or dining at a five-star restaurant.

Balance transfer offer and signup bonus

New cardholders can transfer balances to their TD Cash Rewards Credit Card and enjoy a 0% APR for the first year. There is a balance transfer fee of 4%, and the minimum balance transfer request is $250. After the first 12 billing cycles, the APR will be 13.24%, 18.24%, or 23.24%, depending on creditworthiness.

There is also a signup bonus incentive for the card; folks will get $200 bonus cash back when they spend at least $1,500 in the first 90 days they have their new cash back card.

Security is a priority with built-in chip

The TD Cash card is a chip card, so it is compatible with the new EMV chip-and-PIN card system that is now in use throughout the United States. This provides greater security and protection from fraud. In case of a hack, however, there is fraud liability protection built in with the card. Since it is a Visa Signature card, it also comes with purchase protection, concierge service, and a host of other cardholder benefits

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