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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
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply.
Annual Fee
$0
Interest Rates
21.99% / 22.99%□
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 50% more Stars at participating Starbucks® stores. Conditions apply.
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
FairAnnual Income
N/A
*†Terms and conditions apply.
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Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Fees
Annual Fee
$0
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Fair
Type
Card Type
Credit
Reward Type
Cash BackPros & 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
1.9
FinlyWealth Rating
Get personalized rewards estimates — see exactly how much you could earn.
TD Cash Back Visa* Card Cash Back Calculatoron TD's website