TD Cash Back Visa* Card
2.7/5
Rewards Calculator Algorithm
You can estimate your rewards by inputting your monthly or yearly spending habits.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$148.67
$148.67 in years after
Annual Rewards
$148.67
First Year Bonus
$0
Annual Fee
$0
First Year Value
$148.67
While the first year bonus value here shows $0, the actual welcome bonus for this credit card is valued at $2 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs.
Interest Rates
Cash Advance: 22.99%
Purchase: 19.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Good
Welcome Bonus
N/A
Card Type
Cash Back
Our Rating
2.7/5
Institution
TD
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
TD Cash Back Visa* Card Cash Back Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Groceries, Gas
$50
Recurring Transactions
$16.8
All other purchases
$81.87
Net Annual Rewards
$148.67
Rewards Summary
Net Annual Rewards
$148.67
First Year Card Bonus
$0
First Year Card Value
$148.67
Insurance & Benefits
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
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.