TD® Cash Back Visa Card®

TD® Cash Back Visa Card®: interest rates, available limits, cashback and bonuses. Full conditions for obtaining a credit card online. The procedure for registration and receipt online or at a bank branch. Features.

About TD Cash Back Visa Card

A TD Cash Back Visa Card is a no-fee credit card with regular interest rates and a $500 minimum credit limit. With a TD Cash Back Visa Card, you can earn cash back rewards for every purchase you make and redeem them further towards your account balance.

TD Cash Back Visa Card features

A TD Cash Back Visa Card features a 19.99% interest rate on purchases and a 22.99% interest rate on cash advances. In addition, there is no annual fee for a TD Cash Back Visa Card, and the issuance of up to 3 additional cards is free of charge.

For purchases made with your TD Cash Back Visa Card at merchants classified by Visa as “gas,” “grocery,” or "recurring payments" up to the $5,000 maximum net annual spend, you will earn 1% cash back. Once you reach the $5,000 cap, you will continue earning cash back at a regular rate of 0.5%.

For other categories of purchases made with your TD Cash Back Visa Card, you will earn 0.5% cash back.

Upon earning cash back in the amount of $25 and more, you can redeem your cash back dollars as credit towards your account balance.

A TD Cash Back Visa Card is eligible for TD Payment Plans so that you can pay off your purchases of $100 and more in manageable monthly plans with a lower fee and zero interest. The fees for TD Payment Plans vary depending on a chosen term:

  • 4% for a 6-month plan

  • 6% for a 12-month plan

  • 8% for an 18-month plan

A TD Cash Back Visa Card features benefits from TD’s partners, including:

  • Earning 50% more Stars when paying with your TD Cash Back Visa Card at Starbucks

  • Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.

  • An opportunity to become a TD Auto Club Member and get 24/7 access to emergency roadside assistance services 

As for insurance coverages, a TD Cash Back Visa Card has purchase security and extended warranty protection included. Purchase security insurance provides 90-day repair, replacement, or reimbursement coverage for lost, stolen, or damaged items purchased with your TD Cash Back Visa Card. The extended warranty protection extends the original manufacturer’s warranty. 

Pros and cons

The advantages of a TD Cash Back Visa Card are:

  • A zero annual fee

  • Free issuance of additional cards

  • Cash back earning opportunities

  • Benefits from partner integrations

  • Eligibility for TD Payment Plans

  • Extensive insurance coverage

  • Contactless payment through digital wallets

Here are the disadvantages to be aware of:

  • Few insurance coverages included

  • The lack of exclusive benefits from Visa

How to apply for a TD Cash Back Visa Card?

TD Bank accepts applications for a TD Cash Back Visa Card online, by phone, or at your local branch. 

To apply online, click the “Apply online” button on the credit card description page. If you are a TD client already, sign in using your EasyWeb login credentials. If you are new to TD, click the “Apply Online” button and fill out the application form with the following information:

  • Your province of residence

  • Your personal information (including your first name, middle name, last name, title, and date of birth)

  • Your social insurance number

  • Your phone number

  • Your email

  • Your address

  • Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)

  • Your gross annual personal income

  • Other household income

  • Your residential status (own, rent, live with parents, or board)

  • Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)

  • The credit limit you need

  • Whether you need to register additional cardholders

  • Whether you want to enroll in the TD Credit Card Payment Protection Plan

After that, review the terms and conditions and agree to them to complete the application.

There are no minimum annual income requirements to qualify for a TD Cash Back Visa Card.

How many cash back dollars can I potentially earn? To get an idea of your potential cash back earnings, use the cash back calculator on the credit card description page. To proceed with the calculation, enter the approximate values for your monthly spending by category.
How to monitor the cash back earned?

You can view your cash back balance in your monthly statement, through EasyWeb, through the TD Mobile app, or at

How often can I redeem my cash back dollars?

You can redeem your cash back dollars either annually or at any time, provided your cash back balance is $25 or more.

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Last update 01.12.2022