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 Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases^†.
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 when you rent a vehicle from Avis and Budget. Use your TD credit card and get 10% off the lowest available rates^† in Canada and the U.S. and at least 5% off the lowest available international rates^† on qualifying vehicle rentals at participating Review and Budget locations.
Optional TD Auto Club^† membership for 24/7 emergency roadside assistance.
Purchase insurance and extended warranty protection^† – You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are 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 21.99%

Cash Advance Rates 22.99%

Balance Transfer Rates 22.99%

Cash Advance Rate (QC) 21.99%

Balance Transfer Rates (QC) 21.99%

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 1 %

Travel 0.5 %

Entertainment 0.5 %

Recurring Payments 1 %

Telecom/Internet 0.5 %

Streaming services 1 %

Online transactions 0.5 %

Office Supplies 0.5 %

Insurance

Travel Insurance

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

Extended Warranty

Purchase Protection

Mobile Device Insurance

Price Protection

Our review

With TD Cash Back Visa* Card, you get :

1% cash back per dollar spent on groceries, gas, EV recharging, public transit, recurring payments, streaming services, digital media and games
0.5% cash back per dollar on all other purchases

What’s more, TD Cash Back Visa* Card has no annual fee and offers purchase insurance and extended warranty protection. This TD credit card requires no minimum income.

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