TD Cash Back Visa* Card – Quebec

TD Cash Back Visa* Card – Quebec

Earn Cash Back Dollars. Redeem them to help pay down your Account balance
Welcome Bonus

None

Best For

Value
Year 1

$180

Years 2 and +

$180

Annual Fee

$0

Interest rates
Purchase Rates

20.99 %

Cash Advance Rates

20.99 %

Balance Transfer Rates

20.99 %

Your Monthly Spending

Offer

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.
  • 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 rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car 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
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rate (QC) 20.99%
Cash Advance Rate (QC) 20.99%
Balance Transfer Rates (QC) 20.99%

Value

Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)

Earnings

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