TD Cash Back Visa* Card  🇨🇦

TD Cash Back Visa* Card  🇨🇦
Welcome Bonus
No Welcome Offer
Annual Fee
$0
  • No annual fee
  • Purchase Insurance
Interest rates
Purchase Rates
19.99 %
20.99 % (QC)
Cash Advance Rates
22.99 %
20.99 % (QC)
Balance Transfer Rates
22.99 %
20.99 % (QC)

TD Cash Back Visa Card
TD Cash Back Visa* Card
No Welcome Offer
Apply Now

Offer

  • For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
  • Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases and on regularly recurring bill payments set up on your Account.
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
  • Earn 50% more Stars at participating Starbucks® locations. Conditions apply. Learn more.
  • Save with Avis Rent A Car and Budget Rent A Car. Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base ratesin Canada and the U.S. and at least 5% off the lowest available international rates for eligible vehicle rentals at participating Avis and Budget locations.
  • Option to purchase TD Auto Club Membership and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
  • Purchase Security and Extended Warranty Protection– You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $0
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 22.99%
Balance Transfer Rates 22.99%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 20.99%
Balance Transfer Rates (QC) 20.99%

Earnings

Per dollar of purchases

All Spending 0.5 %
Groceries 1 %
Gas 1 %
Dining and Food delivery 0.5 %
Convenience Stores 0.5 %
Drugstores 0.5 %
Local Transport 0.5 %
Travel 0.5 %
Entertainment 0.5 %
Recurring Payments 1 %
Telecom/Internet 0.5 %
Streaming services 0.5 %
Online transactions 0.5 %
Office Supplies 0.5 %

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
Purchase Protection
Mobile Device Insurance
Price Protection

Our review

With the TD Cash Back Visa* Card, you get :

  • 1% cash back for every dollar spent on groceries, gas and recurring payments
  • 0.5% cash back per dollar on all other purchases

The TD Cash Back Visa* Card has no annual fee and comes with Purchase Security and Extended Warranty Protection. There is no minimum income requirement for this TD credit card.

Alternative Cards

  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $500 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Account must be approved by June 3, 2024.

  • Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by June 4, 2024.

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your account
  • Earn 1% Cash Back Dollars on all other Purchases made with your Card
  • Earn Cash Back Dollars on every eligible purchase.
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!
  • Your Cash Back Dollars never expire as long as your account is open and in good standing
  • Emergency Road Services with Deluxe TD Auto Club Membership
  • Complimentary Visa Infinite* Concierge service available 24/7
  • Mobile Device Insurance
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Recurring Payments3%
Value
  • Year 1 $969
  • Year 2+ $341
Best For
Transfer Partners
  • Cash back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
  • No annual fee
  • Purchase Insurance
  • Mobile Device Insurance
Learn More

Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) by keeping your Account open, active and in good standing for the first 90 days, plus no Annual Fee. Account must be approved by June 3, 2024.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants.
  • Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account
  • Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your Card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
  • Mobile device insurance of up to $1000 if you lose or damage your phone.
  • Booking your travel through Expedia® For TD to maximize the TD Rewards Points you can earn on your travel purchases
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 19.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries3TD Rewards Points
  • Dining and Food delivery3TD Rewards Points
  • Recurring Payments2TD Rewards Points
Value
  • Year 1 $281
  • Year 2+ $205
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Earn up to $500 in value including up to 20,000 Aeroplan points and no annual fee for the first year. Conditions apply. Account must be approved by September 3, 2024.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
  • Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening
  • Get an annual fee rebate for the first year

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

  • Earn 1 point for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point for every $1.50 spent on all other eligible purchases† made with your Card
  • Earn points twicewhen you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries1Aeroplan Point
  • Gas1Aeroplan Point
  • Air Canada1Aeroplan Point
Value
  • Year 1 $866
  • Year 2+ $288
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
4.3 Milesopedia Rating