Cash Back
No Annual Fee
TD Cash Back Visa Card
TD Canada Trust
Secure RateBuddy connection · Application completed on TD Canada Trust’s site
Annual Fee
$0
Purchase APR
21.99%
Cash Advance
22.99%
RateBuddy Verdict
The Good
- Charges absolutely no annual fee for either the primary cardholder or any supplementary cards added to the account.
- Offers a broad range of 1% cash back categories, including groceries, gas, transit, streaming, and recurring bills.
- Provides highly flexible redemption options, allowing you to pay down your account balance at any time rather than waiting for an annual statement.
The Trade-offs
- The ongoing cash back rates are quite low, capping at 1% for bonus categories and dropping to 0.5% for all other everyday purchases.
- Completely lacks travel, medical, or rental car collision insurance coverage.
- Does not currently offer an introductory welcome bonus or promotional cash back rate.
Rewards & Earnings
Groceries
1%
Dining
0.50%
Gas
1%
Travel
1%
Recurring Bills
1%
Base Rate
0.50%
Rewards Summary:
Grocery, Gas/EV, Transit, Recurring Bills & Streaming/Media: 1% cash back; Base Earn: 0.5% cash back.
Welcome Bonus Details
No welcome bonus details are currently listed for this card.
Features & Benefits
No Annual Fee
No annual fee
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Insurance Coverage
Purchase Security: 90 days; Extended Warranty: +1 Year; Note: This card does not include embedded Travel, Medical, or Car Rental insurance.
Rates, Fees & Eligibility
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $0 |
| Supplementary Card Fee | $0 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Cash Back
No Annual Fee
Secure RateBuddy connection