Independent ClearFin review · TD Bank
Start with up to $100 in Cash Back Dollars.
Current new-cardmember offer
Confirm with the issuer
💸 No-Fee CashbackIts strongest published earn rate in our data is 1.0% on groceries. With no annual fee, it can be easier to keep long term without needing rewards to offset a yearly cost.
Checked 2026-08-09 · Official issuer catalogueHow to earn it
New TD Cash Back Visa Cardholders who apply, are approved, and meet promotional conditions.
Confirm final approval criteria and current rates directly with the issuer.
Not explicitly disclosed by issuer.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting assessment and eligibility criteria including Canadian residency and age of majority. This is an entry-level cashback product designed for broad approval compared to Visa Infinite tiers.
Reward limits: No explicit ongoing annual or monthly earning caps are stated for base or category earn rates on the product page.
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Consider these extras by the value they add to purchases and experiences you already use.
Purchase security protection
Covers eligible purchases against theft or damage for up to 90 days after purchase.
Extended warranty protection
Automatically extends manufacturer’s warranty by up to 12 months on eligible items purchased with the card.
Visa Zero Liability protection
Protects cardholders from unauthorized transactions when card details are used fraudulently.
Chip & PIN security
Provides enhanced security for in-person transactions using a personal identification number (PIN).
Mobile wallet compatibility
Supports Apple Pay, Google Pay, and Samsung Pay for secure contactless payments.
Cash Back redemption flexibility
Cash Back Dollars can be redeemed at any time to reduce your account balance.
Optional travel insurance add-ons
Cardholders can purchase optional travel medical insurance and trip cancellation/interruption coverage.
Optional TD Auto Club membership
Access to roadside assistance services such as towing, battery boost, and emergency support.
No included coverage is verified in ClearFin's current catalogue.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1% cashback on groceries, gas, EV charging & transit. 1% on recurring bills & streaming. 0.5% on everything else.
Groceries, Gas receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
There is no annual fee to recover, which can make the card easier to keep for credit-history length or occasional use. Interest and other transaction fees can still apply.
This card is most relevant for someone who spends consistently on groceries and gas and prefers to avoid a yearly fee.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.
