Pros & cons
Pros
- Up to $50 bonus cash back. Conditions apply.
- Up to 1% cash back on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.
- No annual fee.
Cons
- 0.5% cash back on all other purchases.
- Limited insurance included.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to an estimated $50.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With TD Cash Back Visa Card, here's how you earn rewards:
- Earn 1% cash back on gas , groceries , EV charging , public transit , digital gaming, and recurring bills .
- Earn 0.5% cash back per $1 spent on all other purchases.
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For TD Cash Back Visa Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $171 |
Calculating your annual rewards
$24,000 annual spending x 0.71% return on spending = $171 annual rewards
$171 annual rewards − $0.00 annual fee = $171 net annual rewards
Details and eligibility
- Estimated Credit Score
- 660 - 724
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
TD Cash Back Visa Card's 3.3 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from TD
GC: $100
GC: $25
Our review
Any card that will let you redeem your cash back whenever you want, is usually pretty appealing.
While sometimes it can be fun to let your rewards accumulate, other times you just want to redeem them when you want and not when you’re told you can.
This is a feature that the TD Cash Back Visa offers.
This cash back Visa from TD allows you to earn 1% cash back on groceries, gas and electric vehicle charging, public transit, recurring bill payments, and streaming/digital gaming/media purchases – plus 0.5% cash back on all other purchases.
The best part? Once you have at least $25 earned, you can redeem your cash back whenever you want as a statement credit.
Not to mention, there is no limit or cap to the amount of rewards you can earn.
This card has no annual fee, and you can add secondary cardholders for free, letting you rack up those cash back rewards even quicker.
No annual fee, doesn’t always mean no included insurance. This card comes with:
- Extended warranty: Eligible purchases you make with your card will have the manufacturer's warranty doubled, up to an extra year.
- Purchase Protection: Covers any purchases you make in case they are lost, stolen, or damaged within the first year.
If you have a higher annual income, a higher annual spend, and don’t shy away from an annual fee, you should have a look at the premium version of this card. The
User reviews
Reviewed by 21 Canadians
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Tried the TD priority line at Blue Jays game during a promotion game. 3 hours early. Nothing left. I think our line was a lot slower than all the other lines. Won’t use the TD line again! 1/2% on purchases…..garbage
Will be giving up this card!
SCAM. They demand word "yes" instead if safe, clear answer for their question, meaning agree for their offer. For example: "you can send the documents to my e-mail". What is not clear here? It is easy to edit any audio record, and use your "yes" for whatever they want. They refuse in providing their service without getting the "yes" from you. After i gave them my e-mail and agree, but refused to say word yes, they say " if you don't give us your e-mail...." literally.... Extremely mean. BEWARE!
It's nothing special, there are better cards out there, but it gets the job done.
TD has no good credit cards, this is one of them , only 1% back ? This can’t be serious.
This is my very first card, bundled with my student banking offer. I rarely use it nowadays, but I keep it for my credit history. This is good to use maybe if you're renting a car from Avis or Budget. You can also get extra Starbucks stars, but I rarely go there.
