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Pros & Cons
Pros
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
With the TD Cash Back Visa Card, you can earn cash back dollars on your everyday purchases and use them to reduce your account balance.
This card offers a simple and advantageous structure for your daily spending, including:
- 1% in cash back dollars on grocery, gas, electric vehicle charging and public transit purchases, as well as on recurring bill payments and streaming, gaming and digital media services†
- 0.5% in Cash Back Dollars on all other purchases made with your card†
- Redeem your cash back dollars as soon as you reach a balance of $25 to help pay down your account balance†
- Your cash back dollars do not expire as long as your account is open and in good standing.
- Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions Apply.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Streaming
1x
Cash Back pts per dollar
Groceries
1x
Cash Back pts per dollar
Recurring
1x
Cash Back pts per dollar
Gas
1x
Cash Back pts per dollar
Transit
1x
Cash Back pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$231
$/yr
Estimated Value
$231
After Fees
+$231
1st Year Value
$231
incl. welcome bonus
Annual rewards breakdown
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Terms & Conditions
Card Features
- 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†
- 0.5% in Cash Back Dollars on all other Purchases made with your Card†
- No Annual Fee
- Redeem your Cash Back Dollars once you reach a $25 balance to help pay down your account balance†
Legal
Related Cards
FAQ
What are the annual fees for the TD Cash Back Visa Card?
The TD Cash Back Visa Card has no annual fees, and additional cardholders are also free.
Are there income requirements for the TD Cash Back Visa Card?
No, the TD Cash Back Visa Card has no minimum income requirement; you only need to be a Canadian resident and of legal age in your province.
What cash back does the TD Cash Back Visa Card offer?
The TD Cash Back Visa Card offers 1% cash back on groceries, gas, electric vehicle charging, public transit, bills, and streaming services, and 0.5% on other purchases.
How do you use Cash Back Dollars with the TD Cash Back Visa Card?
With the TD Cash Back Visa Card, you can redeem your Cash Back Dollars to help pay down your account balance whenever you wish.
Do Cash Back Dollars expire with the TD Cash Back Visa Card?
No, Cash Back Dollars from the TD Cash Back Visa Card do not expire as long as your account is open and in good standing.
Does the TD Cash Back Visa Card offer benefits at Starbucks?
Yes, the TD Cash Back Visa Card allows you to earn 50% more Stars at participating Starbucks locations.
What insurance does the TD Cash Back Visa Card offer?
The TD Cash Back Visa Card includes Purchase Security and Extended Warranty Protection, which covers items stolen or damaged within 90 days.
Does the TD Cash Back Visa Card offer discounts on car rentals?
Yes, the TD Cash Back Visa Card offers a 10% discount at Avis and Budget in Canada and the U.S., and 5% internationally.
What are the interest rates for the TD Cash Back Visa Card?
The TD Cash Back Visa Card has an interest rate of 21.99% on purchases and 22.99% on cash advances.
Does the TD Cash Back Visa Card allow for emergency cash advances?
Yes, the TD Cash Back Visa Card allows for emergency cash advances of up to $500, depending on your available credit limit.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.