TD Cash Credit Card

Verified: no annual fee, 0% intro APR for 15 billing cycles, and a go-to APR of 18.49%, 23.49% or 28.49% — three discrete tiers rather than a range, the same structure TD uses across its lineup and more informative than a spread.

Also verified: the earning structure is self-selected — 3% in one category you choose, 2% in a second, and 1% on everything else. That is a different proposition from a fixed-category card, because the rate only matters if the categories TD offers include one you actually spend in. A 3% you cannot point at anything is worth less than a flat 2% you never think about.

On the intro period alone, 15 billing cycles is respectable — level with Bank of America Travel Rewards and U.S. Bank Cash+, ahead of Wells Fargo Active Cash's 12 months, behind Citi Double Cash's 18 and Chase Slate's 21.

Its sibling, TD Double Up, pays a flat 2% on everything with no caps and no categories, but has no verified intro period. So within TD's own lineup the choice is clean: this card if you have a balance to clear and one dominant spending category, Double Up if you clear the balance monthly and would rather not manage a category at all. Anything under 3% of your spending landing in the chosen category and Double Up wins on rate.

18.49%, 23.49% or 28.49% — TD quotes discrete rates across its lineup rather than a continuous band. Most issuers here publish a spread and place you inside it after approval, which means the advertised floor is a number many applicants never see.

Three known outcomes is more information than a range with the same endpoints. You still do not know which one you will get, but you know there is no fourth possibility hiding between them, and the middle tier at 23.49% is a realistic figure to plan against rather than an optimistic one.

18.49%, 23.49% or 28.49% — TD quotes discrete rates across its lineup rather than a continuous band. Most issuers here publish a spread and place you inside it after approval, which means the advertised floor is a number many applicants never see.

Three known outcomes is more information than a range with the same endpoints. You still do not know which one you will get, but you know there is no fourth possibility hiding between them, and the middle tier at 23.49% is a realistic figure to plan against rather than an optimistic one.