Posted by William Charles on November 12, 2017
Credit Cards

Published on November 12th, 2017 | by William Charles

46

TD Cash Rewards Visa – $200 Sign Up Bonus After $500 In Spend – Now With 3% At Restaurants [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

Reposting again as bonus has been increased to $200 from $150. New offer ends on March 5th, 2018. Hat tip to reader Time Travelling & Danny Deal Guru

Reposting because the card now earns 3% cash back on dining purchases as well now and 2% back on groceries (previously it was 2% on restaurants and 1% on all other purchases)

The Offer

Direct link to offer

  • Receive a $200 cash sign up bonus when you spend $500 or more within three months of account opening on the TD Cash Visa card

 

The Fine Print

  • offer expires March 5, 2018
  • Card earns at the following rates:
  • 0% foreign transaction fee
  • No annual fee
  • Only available in the following states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA

Our Verdict

Standard bonus on this card is $100, although it frequently increases to $150 after $1,500 in spend. Previous best bonus was $200 after $1,500 in spend so this offer is better than that. I’d only recommend this offer if you struggle meeting minimum spend requirements and the $500 spend is more attractive to you. We’ve updated and added this to our list of the best cash sign up bonuses.



46 Responses to TD Cash Rewards Visa – $200 Sign Up Bonus After $500 In Spend – Now With 3% At Restaurants [CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, & VA]

  1. Zach says:

    Not available in many states. See the drop down box in the application.

  2. Ed says:

    I did this offer two years ago and quit the card after 6 months. Anyone know if it can be had again?

  3. Richard says:

    There is a data point in the “$200 after $1500” thread stating that you have to have a preferred customer number in order to get the bonus. Looking at the online application, the first fillable field asks for the number, and if you click the “?” image it says “To receive your bonus, please provide your preferred customer number”

  4. PR says:

    This a hard or soft pull?

  5. Iz says:

    Does TD match recent $100 offers?

  6. Jake From Statefarm says:

    A few DPs worth mentioning about TD Bank and this card:

    1 – I was given a pretty decent credit line on this card, $15K, by TD having it been approved for it with no TD Bank customer history at all when I applied for it.

    2 – TD Bank has a “teen” Buxx card program that can be funded with this card which can be a good MS tool if that interests you. The ATM withdrawal limit on their Buxx cards is low, $60/wk, but you can unload it via a money order at most grocery stores without problems. I’ve seen it posted that attempted to unload via post office MOs will get you shut down, but I’ve never attempted it so I can’t confirm that.

    3 – If you live in an area where you’ll have multiple TD locations to utilize, picking up a TD Bank checking account, which has a bank bonus at the moment, is a pretty good move as they are very MS friendly in my experience. I’ve put $10-30K a month in MOs through them over the last two years and they have never been anything but friendly to me about it. Keep in mind that the area I live in is TD Bank heavy and I can spread it around through multiple branches. Also, deposited MOs almost always clear overnight which isn’t uncommon, but helpful just the same.

    4 – YMMV, but the few times I need TD customer service for something my experiences were great as their CSRs were always pleasant, helpful, and US based.

    • Mrs. Gee says:

      Jake, did you have a “preferred customer number” when you applied? Were you approved with or without that? If you did have it, how did you get it? Thanks.

  7. Jake From Statefarm says:

    I did not use a “preferred customer number”. I was planning on opening a couple bank accounts with them due to the fact that I had just moved to a TD heavy city and I needed a new local bank. In the process of researching the accounts they offer on the website I saw the TD Cash Rewards Card offer and figured I’d apply since I could fund the account with a CC and I had some minimum spending to do on the CSP card I had just opened. A week or so later I went into the branch in my neighborhood and opened a checking and savings account. A month or so later I applied for a couple Buxx cards “for my teenage kids” with the intent of using them for MS.

  8. Blake says:

    Just applied with 730 FICO, 715 FAKO, 13 HPs. Approved, but I did just open an account for the bank bonus.

  9. Chris says:

    I was sent a $200 off $500 offer via mail

  10. bmanamex says:

    Bonus posted within a week of minimum spend being met

  11. JASON says:

    Hello DOC, TD bank has just updated this cash credit card, now earns the following:

    Source: https://www.tdbank.com/personalcreditcard/cashrewardscard.html

    $150 Cash Back – offer expires November 7, 2017
    3% Cash Back on dining – from casual to fine and everything in between
    2% Cash Back at grocery stores3
    1% Cash Back on other purchases
    $0 annual fee and no foreign transaction fee

  12. WWN says:

    Doc,

    Any idea which credit bureaus TD Bank is going to pull when applying the card?
    Thanks.

  13. JZM says:

    From Their terms, they listed “foreign currency” does not earn points? Does it mean no points if travel and use it abroad?? Or it means purchase foreign currency?

    Are there any transactions that do not earn Points?
    • Yes, the following types of transactions do not earn points and are not eligible for Purchase Redemption Credits; Balance Transfers, Cash Advances, purchases of travelers checks, money orders, lottery tickets, gambling chips, wire transfers, foreign currency, purchases or reloading of prepaid cards, or purchases of any other cash equivalents, fees, interest charges, disputed and
    unauthorized or fraudulent charges, account refunds, rebates, and similar credits are not eligible to earn Points and are not considered a Purchase for purposes of earning rewards.

  14. JZM says:

    Their terms says “foreign currency” do not earn points, how to interpret this? Would use this card when travel abroad consider “foreign currency” transaction then earn no points?
    Are there any transactions that do not earn Points?
    Yes, the following types of transactions do not earn points and are not eligible for Purchase Redemption Credits; Balance Transfers, Cash Advances, purchases of travelers checks, money orders, lottery tickets, gambling chips, wire transfers, foreign currency, purchases or reloading of prepaid cards, or purchases of any other cash equivalents, fees, interest charges, disputed and unauthorized or fraudulent charges, account refunds, rebates, and similar credits are not eligible to earn Points and are not considered a Purchase for purposes of earning rewards.

    • Fiby says:

      This means purchase of a foreign currency. So if you bought Euros, or did a cash advance in Euros, that won’t earn points.

      Purchasing goods and services (not cash) in a foreign currency will earn you points.

  15. Thomas says:

    I’m wondering, do I need to have a TD Bank checking account open for greater chance of success?

    I opened an account back in July for the Premiere $300 bonus. I just zeroed my balance out to 0. I was going to send a secure message asking TD Bank to close the account this week. Then I saw this posting about the credit card.

    For me, the best thing would be the 0 foreign transaction fee, but the $150 bonus is okay too.

    Just wondering whether I should close the checking (the monthly fee will hit around October 22) or leave it open, if I’m gonna apply for this card?

    A couple other people posted comments here that you might need to enter a Premiere account number during the application.I’m not sure if that’s still the case or not?

    • JASON says:

      Downgrade your TD bank account to the convenience check account that only requires $100 to avoid monthly fee. That’s also because TD bank account bonus is not churnable so not like you can close it and wait for some time and get the bonus again by opening a new account. Leaving a checking account open may help increase the chance of getting approval. My personal DP is that both my parents received target mails for the same public offers, however I noted on the offer there was this reservation code/reference code when you apply for the credit card, that being said they are pre-approved and I did help them both getting the cards already. On the other hand, I don’t think a checking account is a must to get this credit card. It mainly depends on your credit report.

      There are certain things you need to know about TD bank credit card:

      1. You cannot lower your CA limit as it’s tied to your CL with a certain percentage. This is similar to HSBC credit card.
      2. They do not allow you to combine inquiry for personal CC application and business CC application. This is confirmed by CSR over the phone.
      3. You cannot fund any bank account online with any of TD CC because it would not code as purchase.
      4. TD CC would not allow any CA transaction online and that such transaction would always be declined.
      5. When applying, it appears that they always pull Experian and do not allow to pull from other Credit Bureau.

      Back to your last question, you don’t need to enter a premiere account number during the application. It looks to me that they approve ppl easily.

  16. doug says:

    My annual income this year is very low like $5,000 but I have substantial savings (like $100,000) from saving up from the last 15 years of work. Assuming I answer the income question honestly, what are my odds of success with this card? Some applications ask for “household income” so I get to fudge a little bit without feeling guilty, but this application specifically seems to ask “Your Income.”

    Any advise would be helpful. I’ve always wondered about this question in general.

    • JASON says:

      They wouldn’t know your real annual income or saving in any bank, they take what you advise them and that is not even a factor to approve/decline your application. Your credit report is what matters the most. The only bank/credit union that gives me much hard time on proof of income when applying for their credit card is Alliant Credit Union where the underwriter asked me for my pay stab, and finally declined. If you can wait, just park some money over there and wait for their pre-approval mail to you.

  17. The DJ says:

    Got approved for this a few days ago with many multiple card openings in last 2-3 months. I do not have an existing relationship with TD. They did call me to verify my identity and quickly approved me afterwards.

  18. Sami says:

    Like Chris did last year (quoted above), I also got targeted in the mail for the $200 cash back bonus after just $500 spend.

    I’m debating whether to get this for the end of the year or go for a travel rewards card (Amex SPG business)

    %40 off Christmas presents and the like seems pretty attractive especially as we have a baby on the way. I’d maybe do the Chase AARP too and the NEA Cash Rewards Visa Signature which I got targeted after starting to teach a couple classes part-time. All three offers have identical offers $500 min spend for $200 cash back (though the % cash back categories differ)

    What do you folks is the biggest drawback of this? Mostly the hardpull for a relatively small bonus?

    We don’t have immediate travel plans but at some point in the next 18 months, we’re planning on using Alaska, Delta, and SPG points to travel to Southeast Asia and we’re running low on SPG points these days.

  19. Jeff says:

    Does anyone know, or know how to track down, the exact dates that the online signup offer was recently switched from $100 to $150? I signed up for $150, but they are telling me at the time when I applied in late September it was only $100…seeing if I can find some information. They also won’t value my $200 sign up offer by mail, since I signed up online…

    • Dave says:

      It’s been $150 since July. I know because they send me offers in the mail every other week to sign up for this card. I had this card before and the reps don’t actually know anything. They will lie to you. Ask for a supervisor when you call them.

  20. Dave says:

    Well this is scary:

    This One-
    Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or
    if you
    previously received a One-
    Time Bonus Offer on this Account or any other account with us.

    • SamSimon says:

      when did you get your last bonus for TD credit card? Are you going to try this one? will you try to get second bonus? I had same card with bonus attached 6 months ago. I think what to do, do they enforced the rule or not…

    • ppsh says:

      Went to a branch to check and was told cc bonus is once per lifetime per customer just lile their bank account bonus. Bleh, no go for me then, since I opened a checking account without a bonus and got a cc bonus two years ago.

  21. DirtyLilRat says:

    It takes about 6 mos for the inquiry to clear?

  22. denise says:

    I just downgraded my TD Bank checking account from Premiere to normal one (forget the name.. but only requires $100 to avoid fees). Will it hurt my chances of being approved for this card? Also, I read elsewhere I think on DoC that other users had greater success after they got an invite in the mail? Better to wait for the $200 invite in the mail? Just open to suggestions.. thanks!

  23. TJ says:

    Weird card, you have to lie and say you are an existing customer to even get to an application (which you can then tell the truth on and say no and not fill in the mailer code).
    Got “will receive your decision in the mail” for my wife, who has never had a TD Bank card or bank account before (recently moved into a participating state).

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