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TD Bank

TD Cash Back Visa

Start with up to $100 in Cash Back Dollars.

Apply at TD BankCalculate my rewards
Annual fee
$0
Reward type
Cash Back
Typical credit · 580+
TD Cash Back Visa💸 No-Fee Cashback

Welcome bonus

New cardmembers can earn up to $100 in Cash Back Dollars by completing the steps below.

How to earn it

  • $20 Cash Back DollarsMake your first purchase with the card
  • $80 Cash Back DollarsSpend $1,500 within the first 3 months of account opening

New TD Cash Back Visa Cardholders who apply, are approved, and meet promotional conditions.

How you earn

  • Earn 1% Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit purchases
  • Earn 1% Cash Back Dollars on Recurring Bill Payments, Streaming, Digital Gaming & Media purchases
  • Earn 0.5% Cash Back Dollars on all other purchases
  • Cash Back Dollars are credited as rewards that can be redeemed to reduce your account balance
  • Cash Back Dollars do not expire as long as the account remains open and in good standing

Built-in perks & coverage

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.

The verdict

What we like

  • No annual fee making it highly accessible for entry-level and budget-conscious cardholders
  • Simple and consistent cash back structure with 1% on everyday essentials and 0.5% on all other purchases
  • Flexible redemption where Cash Back Dollars can be applied anytime to reduce your account balance

Worth noting

  • Low base earn rate of 0.5% on general purchases reduces overall rewards efficiency for high spenders
  • No premium travel or insurance benefits compared to higher-tier TD Visa Infinite products
  • Foreign transaction fee applies (embedded in Visa exchange conversion), making it inefficient for international spending

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