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Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Annual Fees
Main Card: $0
Additional Cards: $0
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025.
- Earn $10 in Cash Back Dollars on first purchase with your card†.
- Earn an additional $40 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†.
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Card Type
Credit
Finly Rating
2.7/5
Institution
TD
How You 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 50% more Stars at participating Starbucks® stores. Conditions apply.
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
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.
Legal
†Terms and conditions apply.
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