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TD Cash Back Visa* Card Review
The Bottom Line
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.
Welcome Bonus
N/A
Rewards Rate
0.5% - 1%
Cash Back
Annual Fee
$0
Interest Rates
19.99% / 22.99%
Rewards
- 1% cash back on eligible groceries, gas and recurring bills (maximum $50 cash back for groceries & gas and another $50 for recurring bills)
- 0.5% cash back on all other eligible credit card purchases
Insurance
Coverage
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Benefits
Details
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
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Card Details
Interest Rates
Purchase APR
19.99%
Cash Advance APR
22.99%
Balance Transfer APR
22.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
$60,000
Minimum Household Income
$100,000
Credit Score Estimate
Good
Type
Card Type
Credit
Reward Type
Cash Back
Pros & Cons
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.
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.
TD Cash Back Visa* Card
1.7
FinlyWealth Rating
Get personalized rewards estimates — see exactly how much you could earn.
TD Cash Back Visa* Card Cash Back Calculatoron TD's website