TD
TD Cash Back Visa
No annual fee cash back on the things you buy most. Earn 1% back on groceries, gas, transit, recurring bills and streaming, and 0.5% on everything else.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$0
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 1% cash back on groceries, gas, EV charging, public transit, recurring bills and streaming/digital media (each category capped at $5,000 in annual net purchases)
- 0.5% cash back on all other purchases
Rates & fees
| Annual fee | $0 |
|---|---|
| Supplementary card fee | $0 (up to 3 additional cardholders) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | No current intro offer advertised on the product page |
| Balance transfer rate | 22.99% (balance transfers treated as cash advances) |
| Balance transfer fee | 3% of the promotional balance transfer amount (may be waived or reduced on specific offers) |
| Cash advance | $5.00 flat fee outside Canada; in Canada 1% of the advance (min $3.50, max $10.00); cash advance APR 22.99% |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Visa |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.