TD Cash Back Visa* Card vs TD Low Rate Visa* Credit Card
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply.
Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$154
First-year value
Doesn't earn rewards
$154
Every year after
Doesn't earn rewards
Only TD Cashback Visa earns rewards we can work out.
Compare the fees, rates and perks below.
How the first year adds up
Annual rewards
$153.56
cash back a year
Welcome bonus
+ $0
no welcome offer
Annual fee
− $0
no annual fee
First-year value
$153.56
No figures for this card.
Where each card earns
A year of your spending at each card's own reward rates, most first.
1%Groceries, Gas
$50
1%Recurring Transactions
$24
0.5%All other purchases
$79.56
Doesn't earn rewards
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%
Cash Advance:
22.99%
Purchase:
12.90%
Cash Advance:
12.90%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- 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 more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
- 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 more Starbucks 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 and perks
What both cards include comes first in each list.
Insurance
Insurance
Extended Warranty†
Up to 1 year
Purchase Protection†
90 days
Extended Warranty†
1 yearPurchase Protection†
90 days
Perks
Perks
Extra points†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Our take
Why we like it
Why we like 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.
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
Pros
- No annual fee
- Decent cashback
- Flexible redemptions
- Low annual fee
- Lower annual interest rate
Cons
Cons
- Low base earn rate
- Limited insurance
- No rewards
More comparisons
Other cards we've put each of these up against.
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.
