Earn cash back on daily spending with no annual fee.
No annual fee, ever
Pay $0 annual fee while earning cash back on every eligible purchase.
Enhanced cash back on key categories
Earn 1% back on groceries, gas, EV charging, transit, streaming and recurring bills.
Cash back on everything you buy
Earn 0.5% back on all other eligible purchases, with no confusing tiers or caps.
Flexible redemptions and extra perks
Redeem any time from $1 and enjoy added benefits like Starbucks rewards and car-rental discounts.
A Cash Back Card Built Around Everyday Canadian Spending
The TD Cash Back Visa Card is designed for Canadians who want straightforward rewards on everyday purchases without paying an annual fee. As of 2025, the card charges an annual fee of $0, with a purchase interest rate of 21.99% and a cash advance rate of 22.99% (21.99% for cash advances in Quebec). This places it in line with many entry-level rewards cards, but its value comes from the way it rewards common spending categories rather than from premium travel perks.
The core earning structure is intentionally simple. You earn 1% in Cash Back Dollars on purchases at merchants categorized as grocery stores and supermarkets, gas stations and EV charging, public transit, streaming, digital gaming and media services, as well as on recurring bill payments set up with eligible merchants. All other eligible purchases earn 0.5% in Cash Back Dollars. There are no income requirements and no complex rotating categories to track, which makes the card accessible for a wide range of Canadian households.
Redemptions are equally flexible. Cash Back Dollars can be redeemed as a statement credit to help pay down your account balance, either once a year or at any time, as long as you redeem at least $1. Your Cash Back Dollars never expire as long as your account is open and in good standing, allowing you to let rewards accumulate or redeem frequently, depending on your preference.
In 2025, TD is also running a welcome offer on this card. New cardholders can earn up to $50 in Cash Back Dollars: $10 when they make their first purchase, plus an extra $40 after spending $1,500 in the first three months of account opening. This promotion is effective as of June 4, 2025, and may change, so it is important to verify the current details before applying.
Beyond pure cash back, the TD Cash Back Visa Card includes some useful extras. Cardholders can link their eligible card to Starbucks Rewards to earn 50% more Stars at participating Starbucks locations in Canada, adding another layer of value for coffee lovers. The card also supports Apple Pay, Google Pay and Samsung Pay, offers emergency cash advances (subject to available credit), and includes access to optional TD Auto Club membership for roadside assistance. Savings on qualifying car rentals with Avis and Budget round out the everyday benefits. Finally, the card comes with standard Visa security features, including chip and PIN technology and protection against unauthorized transactions, helping Canadians shop confidently both online and in person.
No. The TD Cash Back Visa Card has a $0 annual fee for the primary cardholder, making it easy to keep long term without worrying about offsetting a yearly cost through rewards.
You earn 1% in Cash Back Dollars on groceries, gas, EV charging, public transit, streaming and digital media, and recurring bill payments, and 0.5% on all other eligible purchases made with your card.
As of June 4, 2025, new cardholders can earn up to $50 in Cash Back Dollars: $10 on their first purchase, plus $40 after spending $1,500 in the first three months. This special offer is time-limited and subject to change, so you should confirm the latest details on TD’s website before applying.
You can redeem Cash Back Dollars as a statement credit to help pay down your TD Cash Back Visa Card balance. Redemptions can be made annually or at any time you choose, as long as the redemption amount is at least $1 and your account is open and in good standing.
While this is not a premium travel card, it offers practical lifestyle perks such as savings on Avis and Budget car rentals when you pay with the card, optional TD Auto Club roadside assistance, and the ability to earn 50% more Stars when you link the card to Starbucks Rewards and pay at participating Starbucks locations in Canada.
This card is well suited for Canadians who want simple, no-fee cash back rewards on everyday purchases, especially those who spend regularly on groceries, gas, public transit, streaming services and recurring bills, and who typically pay their balance in full each month.
Turn Your Everyday Purchases into Simple Cash Back Savings
For Canadians who want to keep their credit card strategy straightforward, the TD Cash Back Visa Card offers a clean, no-annual-fee way to earn value on everyday spending. Instead of juggling complex reward charts or premium annual fees, you earn 1% in Cash Back Dollars on key categories that already make up a large portion of most monthly budgets: groceries, gas and EV charging, public transit, streaming and digital media, and recurring bill payments. Everything else still earns 0.5% in Cash Back Dollars, so you are never leaving rewards completely on the table.
The welcome bonus in 2025 adds an extra nudge. Earning up to $50 in Cash Back Dollars just for making your first purchase and reaching $1,500 in spending within the first three months helps you see value quickly, especially if you plan to use the card for groceries, gas or monthly bills. Combined with the ability to redeem Cash Back Dollars at any time from as little as $1 to offset your account balance, the card encourages steady, tangible savings rather than points you might forget to use.
Beyond rewards, the TD Cash Back Visa Card fits neatly into a modern Canadian lifestyle. Support for digital wallets like Apple Pay, Google Pay and Samsung Pay lets you pay securely with your phone or wearable in stores and on transit. Optional TD Auto Club membership can provide peace of mind on the road, while car-rental discounts with Avis and Budget help reduce travel expenses within Canada, the U.S. and abroad. Linking your eligible card to Starbucks Rewards to earn 50% more Stars at participating locations is a small but enjoyable perk for coffee lovers who tap their card daily.
As with any rewards card, the key to making the most of the TD Cash Back Visa Card is responsible use. If you pay your balance in full every month, the 21.99% purchase interest rate and 22.99% cash advance rate never come into play, and your cash back remains pure value. If you regularly carry a balance, however, the interest costs will quickly outweigh the benefit of the rewards, and a low-rate card may be a better fit.
If you are looking for a straightforward, no-annual-fee card that rewards exactly how many Canadians already spend—on groceries, commuting, streaming and bills—the TD Cash Back Visa Card deserves a serious look.