TD Cash Back Visa Card
TD loyalists who want a simple, no-fee cash back card for light spending.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A basic no-fee card that's easy to get but easily out-earned by competing no-fee cash back cards, though fine as a starter or backup card.
Reward rates
Groceries | 1% |
Gas & EV charging | 1% |
Public transit | 1% |
Recurring bill payments | 1% |
Streaming, digital gaming & media | 1% |
All other purchases | 0.5% |
Pros
- No fee and no income requirement
- Cash back never expires and can be redeemed anytime
Cons
- Low earn rates (1% / 0.5%) versus other no-fee cash back cards
- No travel insurance coverage
- No current welcome offer
Perks
- No annual fee and free additional cardholders
- Redeem cash back anytime toward your balance
- Minimum 10% off Avis and Budget car rentals in Canada/US
- TD Payment Plans for purchases of $100+
- Free 3-month Uber One trial for eligible cardholders
Insurance
- Purchase security and extended warranty protection
Frequently asked questions
Is the TD Cash Back Visa Card worth it?
It has no annual fee, and we rate it 2.8 out of 5. It's best suited to TD loyalists who want a simple, no-fee cash back card for light spending. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the TD Cash Back Visa Card earn?
It earns 1% on groceries, 1% on gas & ev charging and 1% on public transit.
What credit score do you need for the TD Cash Back Visa Card?
We'd suggest a score of around 640 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“TD Cash Back Visa Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/td-cash-back-visa, updated June 2026.
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