Take a look at our terms and conditions or business card agreement. Earn $200 in cashback if you spend $3,000 on your purchases within 90 days of opening the account If your budget therefore spends $400 per month on food, $600 per month on food, and then use the card for an additional $500 for various expenses, these expenses will earn you $498 in cashback in the first year (if you add the $150 sign-up bonus). To get the most money out of your spending, you need to combine this card with another cashback credit card that earns 1.5% or 2% on everything. You can use the TD cash card for restaurants and food and the other card for everything else. Once approved, you will receive your card within 5-7 business days. To maximize rewards with cash back cards in general, just use them for expenses you would make anyway, especially in bonus categories. In other words, don`t spend more than you would usually spend just to earn rewards. From there, you should pay your credit every month so that the financial costs do not erase what you have earned. Earn 3% cashback for phone, internet and cable services The TD Cash Card is a solid product that offers higher rewards for food and food expenses….