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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
4.1
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Earn up to $100 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply.
- Earn $20 in Cash Back Dollars on first purchase with your card†.
- Earn an additional $80 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
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.
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
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 more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
How to Earn Rewards
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 Included
Extended Warranty†
Up to 1 year
Purchase Protection†
90 days
Insurance Included
Extended Warranty†
1 yearPurchase Protection†
90 days
Extra Benefits
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 Benefits
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
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.