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Side by Side Credit Cards Comparison
TD Cash Back Visa* CardVSTD Low Rate Visa* Credit Card
Which one is better?
TD Cash Back Visa* Card
1.9
TD Low Rate Visa* Credit Card
2.1
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025. Earn $10 in Cash Back Dollars on first purchase with your card†. Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening†. Cash Back Dollars can be redeemed to help pay down your account balance†.
Welcome Bonus
N/A
Rewards Breakdown
Annual Rewards
$148.67
First Year Bonus Value
+
$50
Annual Fee
-
$0
First Year Value
$198.67
$148.67 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
How to Earn Rewards
- 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†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
How to Earn Rewards
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
Insurance Included
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Insurance Included
Extended Warranty
1 yearPurchase Protection
90 days
Extra Benefits
Extra points
Earn 50% more Stars at participating Starbucks stores
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra Benefits
Extra points
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Annual Fee
$0
Annual Fee
$25
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Is this card worth it?
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
Is this card worth it?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Pros
- Lower annual interest rate compared to most cards
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back cards.
Cons
- No rewards
- Small annual fee
Legal
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.