Lena Hayes
The TD Cash Back Visa* Card is a no-annual-fee credit card that gives you 1% cash back on groceries, gas, and recurring bill payments, plus 0.5% on everything else — with the dependability of TD’s nationwide banking network.
Quick highlights
- 🛒 1% cash back on gas, groceries, and recurring bill payments.
- 💵 0.5% cash back on all other eligible purchases.
- 💳 No annual fee — keep it long-term.
- 📱 Redeem cash back anytime through EasyWeb or the TD app.
Why we like the TD Cash Back Visa* Card
This card keeps cash-back earning simple: 1% on everyday essentials and 0.5% on everything else — all with no annual fee. It’s a good starter or backup card for TD clients.
Stand-out features
- ✅ 1% cash back on gas, groceries, and recurring bills.
- ✅ 0.5% cash back on other purchases.
- ✅ Redeem cash back any time through TD’s online platforms.
- ✅ No annual fee.
Good to know
- ⚠️ No bonus categories beyond the main three.
- ⚠️ Cash back is credited to your account as a statement credit.
- ⚠️ Standard interest rates apply if you carry a balance.
Pros
- No annual fee.
- 1% on groceries, gas, and bills — easy categories.
- Redeem anytime through TD app or EasyWeb.
- Simple, automatic cash-back accumulation.
- Backed by TD’s reliable service and coverage.
Cons
- No introductory or bonus offer.
- No travel or extended insurance coverage.
- Limited earn rate compared to higher-tier TD cards.
Rewards program
- ⛽ 1% cash back on gas, groceries, and recurring bill payments.
- 💵 0.5% on all other eligible purchases.
How to maximize rewards
- Use it for all grocery, gas, and recurring bill transactions to maximize 1% returns.
- Redeem cash back regularly to keep balances active.
- Pair it with a TD travel or premium rewards card for other categories.
- Pay in full each month to avoid interest charges.
Insurance & benefits
Included
- 🛍️ Purchase Security — protects items from theft or damage for 90 days.
- 🕒 Extended Warranty — doubles the manufacturer’s warranty up to one year.
- 💳 Visa Zero Liability protection.
Not included
- ❌ No travel medical or trip insurance.
- ❌ No rental car coverage.
- ❌ No mobile device protection.
Rates & fees
| Annual fee | $0 |
|---|---|
| Purchase APR | 20.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | 21 days on new purchases |
Best for
- 💳 Canadians wanting simple cash-back earnings.
- 🛒 Everyday shoppers who spend most on groceries, gas, and bills.
- 🏦 TD clients seeking an easy-to-manage no-fee card.
Where it falls short
- No bonus welcome offer.
- Limited earn rate compared to TD Cash Back Visa Infinite.
- No travel insurance or added perks.
Customer reviews
Positive feedback
“Simple and consistent cash back — no annual fee makes it worth keeping.”
“Redeeming through the TD app is seamless.”
Critiques
“No sign-up bonus, but fine as a backup card.”
“Wish the cash-back rate was higher.”
Community insights
Canadian users see the TD Cash Back Visa* Card as a simple, accessible cash-back option. It’s often used as a companion card to premium travel or rewards cards for everyday spending.
AI review (straight talk)
This TD Visa is all about simplicity — steady rewards, no annual fee, and an easy digital experience. It’s not flashy but gets the job done for daily purchases.
Alternatives & comparison
| Card | Annual Fee | Top Categories | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| TD Cash Back Visa* Card | $0 | 1% groceries, gas & bills | 0.5% | Redeem anytime | Everyday spending |
| CIBC Dividend® Visa Card | $0 | 2% groceries | 0.5% | Annual cash-back payout | Grocery shoppers |
| BMO CashBack® Mastercard® | $0 | 3% groceries | 0.5% | Flexible redemption | Simple earners |
| Tangerine Money-Back Mastercard® | $0 | 2% custom categories | 0.5% | Category choice | Custom spenders |
FAQ
Is there an annual fee?
No, the TD Cash Back Visa* Card has no annual fee.
What are the cash-back rates?
1% on groceries, gas, and recurring bill payments; 0.5% on all other purchases.
How can I redeem my cash back?
Redeem anytime in increments of $25 through TD EasyWeb or the TD app.
Does it include travel insurance?
No, this card includes purchase and warranty protection only.
Final verdict & ratings
Our take The TD Cash Back Visa* Card is an ideal no-fee choice for simple, everyday cash-back earnings — reliable, flexible, and easy to manage digitally.
| Overall | ★★★★☆ 4.1 / 5 |
|---|---|
| Rewards value | 4.0 / 5 — solid 1% on key categories |
| Benefits & protections | 3.5 / 5 — basic but dependable |
| Fees & costs | 5.0 / 5 — no annual fee |
| Ease of approval | 4.3 / 5 — accessible for most Canadians |
