cash-back2.8 / 5

TD Cash Back Visa Card

Best for

TD loyalists who want a simple, no-fee cash back card for light spending.

Apply on TD

Annual fee

None

FX fee

2.5%

Purchase APR

21.99%

Income req.

—

Recommended credit score

640+

Approval difficulty

Moderate approval

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 — 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

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD Cash Back Visa Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-cash-back-visa, updated June 2026.

Sources

TD cardholder agreement and rates & fees disclosure
VaultNerd cards database