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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
2.7
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD Low Rate Visa* Credit Card
2.9
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
N/A
Welcome Bonus
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply. Offer effective as of June 4, 2025.
Rewards Breakdown
Annual Rewards
$163.54
First Year Bonus Value
+
$0
Annual Fee
-
$0
First Year Value
$163.54
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.
- Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply.
How to Earn Rewards
Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
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
- Decent cashback
- Flexible redemptions
Pros
- Low annual fee
- Lower annual interest rate
Cons
- Low base earn rate
- Limited insurance
Cons
- No rewards
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.