Pros & Cons
Pros
- +No annual fee
Cons
- –Foreign Transaction Fee (2.5%)
- –No purchase protection
Our Review
With the TD Cash Back Visa Card, you can earn cash back dollars on your everyday purchases and use them to reduce your account balance.
This card offers a simple and advantageous structure for your daily spending, including:
- 1% in cash back dollars on grocery, gas, electric vehicle charging and public transit purchases, as well as on recurring bill payments and streaming, gaming and digital media services†
- 0.5% in Cash Back Dollars on all other purchases made with your card†
- Redeem your cash back dollars as soon as you reach a balance of $25 to help pay down your account balance†
- Your cash back dollars do not expire as long as your account is open and in good standing.
- Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions Apply.
Rewards
All Spending
0.5x
Cash Back pts per dollar
Streaming
1x
Groceries
1x
Recurring
1x
Gas
1x
Transit
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$231
$/yr
Estimated Value
$231
After Fees
+$231
1st Year Value
$231
incl. welcome bonus
Annual rewards breakdown
Fees and interest rates
- Annual Fee$0
- Additional card fee$0
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Terms & Conditions
Card Features
- 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†
- 0.5% in Cash Back Dollars on all other Purchases made with your Card†
- No Annual Fee
- Redeem your Cash Back Dollars once you reach a $25 balance to help pay down your account balance†
Legal
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Un Accro du Voyage may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.