TD Cash Back Visa^* Card

Flytrippers opinion: A no-annual-fee cash back card.

Flytrippers Valuation
of Welcome bonus (net value)

via TD secure application link

$ 0ⓘ

Rewards: $0

Card annual fee: $0

Card eligibility
no minimum income
required

Welcome bonus eligibility
no welcome bonus

Cash back (more simple)
Bonus: None

• $0 as simple
cash back

How to unlock bonus
no welcome bonus

Interest rates:
Purchases: 19.99%
Cash advances: 22.99%
Cash advances (QC): 20.99%

^{^†}Terms and conditions apply.
Flytrippers editorial opinion only. TD is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel for less.

Summary of Flytrippers' review

WHY GET THIS CARD

The fact there’s no annual fee
The flexibility of simple cash back rewards

WHO SHOULD GET THIS CARD

Those who want simple cash back that’s way less valuable than travel rewards but gives more flexibility
Those with lower income levels (no minimum income required)
Those who want a no-annual-fee card (even though the total value is always what you should look at)

How to learn more

Card details

Official TD description

Earn Cash Back Dollars. Redeem them to help pay down your Account balance^†

For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases^† and on regularly recurring bill payments^† set up on your Account.
Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card^†.
Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance^†.
Your Cash Back Dollars never expire as long as your account is open and in good standing.
Earn 50% more Stars at participating Starbucks^® stores. Conditions apply.

^†Terms and conditions apply.

Welcome bonus

Structure of the current offer

No welcome bonus

‣Apply for the TD Cash Back Visa^* Card

Flytrippers Valuation of the offer

Flytrippers Valuation of the welcome bonus

$0 Welcome bonus
–$0 Card fee (no annual fee)

$0 in rewards with the welcome bonus alone

‣Learn more our Flytrippers Valuation of welcome bonuses

Reward redemption examples

Rewards from welcome bonus

This card has no welcome bonus.

That gives you:

$0 in free travel at the Flytrippers Valuation

Concrete examples of redemptions

Here is the actual redemption you can get with these rewards:

$0 in very simple cash back and statement credit

‣Learn more about the best uses of TD cash back (coming soon)

Earning with spending

Earn rates

1% cash back per $ on eligible:

groceries purchases^{^†} (and indirectly at all retailers offering gift cards at the grocery store)
gas purchases^{^†}
regularly recurring bill payments^† set up on your account

0.5% cash back per $:

all other eligible purchases^{^†}

‣Learn more about credit card earn rates (coming soon)

Earning with additional cards

Fee for additional cards: $0^{^†}
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

Travel benefits & other benefits

Starbucks partnership^{^†}
You get 50% more Stars.

‣Learn more about the TD and Starbucks partnership (coming soon)

10% discount on rental cars^{^†}
Save 10% at Avis and Budget in Canada and the USA and at least 5% at international locations.

‣Learn more about the TD car rental benefit (coming soon)

Insurance coverage

Insurance included

Purchase insurance^{^†}
Extended warranty^{^†}

‣Learn more about the TD Cash Back Visa^* Card’ insurance coverage (coming soon)

Insurance not included

Medical travel insurance^{^†}
Flight delay insurance^{^†}
Mobile device insurance^{^†}
Baggage delay insurance^{^†}
Rental car insurance^{^†}
Lost or stolen luggage insurance^{^†}
Hotel burglary insurance^{^†}
Travel accident insurance^{^†}
Travel cancelation insurance^{^†}
Trip interruption insurance^{^†}

‣Learn more about the different types of insurance coverage (coming soon)

Rewards program

Redemptions
Cash back is very simple, which is why it’s less valuable: you’ll get cash back directly on your statement every year.

‣Learn more about the TD cash back program (coming soon)

Value
Like all cash back, TD cash back rewards are fixed-value rewards. TD cash back is always worth 1¢ (1% back = 1¢).

‣Learn more about TD cash back (coming soon)

Expiry
TD cash back doesn’t expire as long as you have your card.

‣Learn more about TD cash back expiry (coming soon)

Pooling
You cannot pool your cash back with travel buddies.

‣Learn more about pooling rewards (coming soon)

Transfers
Cash back cannot be transferred to more valuable rewards programs.

‣Learn more about point transfers (coming soon)

Other redemption options
Cash back can only be used as cash back.

‣Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics
Your cash back will be applied automatically.

‣Learn more about how to get started with TD cash back (coming soon)

Rewards program summary
Rewards: Cash back
Type: Fixed-value rewards
Subtype: “Eraser” fixed-value rewards
Variety: Bank rewards
Flytrippers Valuation: 1¢
Minimum value: 1¢
Maximum value: 1¢
Transferable: No

‣Learn more about rewards programs basics (coming soon)

Card & offer eligibility

Card eligibility
Minimum income: $0^{^†}
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: Equifax Canada

‣Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
No welcome bonus

‣Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offer subject to change at any time^{^†}

‣Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: TD Bank Canada
Network: Visa
Card type: Credit card
Product type: Personal card

‣Learn more about credit card types (coming soon)

Fees & rates

Fees and rates
Card fee: $0^{^†}
Fee for additional card: $0^{^†}
FX fee: 2.5%^{^†}
Purchases annual interest rate: 19.99%^{^†} (20.99% for Québec residents)^{^†}
Funds advance annual interest rate: 22.99%^{^†} (20.99% for Québec residents)^{^†}
Balance transfer fee: N/A

‣Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

^†Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

TD Cash Back Visa* Card