TD Cash Back Visa Card
$0 annual fee · 1% back on grocery, gas, transit and recurring bills, 0.5% on the rest.
1% in four categories
1% on grocery, gas and EV charging, public transit, and recurring bills, streaming, digital gaming and media.
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Independent site, not TD · $0 annual fee · Purchases 21.99% · Cash advances 22.99% · Representative example
How the TD Cash Back Visa Card spreads 1% across everyday spending
The TD Cash Back Visa Card is a no-annual-fee card that pays 1% cash back in four broad categories: grocery, gas and EV charging, public transit, and recurring bill payments together with streaming, digital gaming and media. Every other purchase earns 0.5%.
Each category earns 1% on the first $5,000 in purchases per year, then 0.5%. With four categories, that covers up to $20,000 of everyday spending a year at the higher rate, which suits people whose budget is spread across several areas rather than concentrated in one.
Its top rate is lower than cards with a 2% or 3% grocery category, and restaurants are not a bonus category. Compare it with your own spending: if groceries dominate your budget, a grocery-focused card may return more.
Has the TD Cash Back Visa changed?
Yes. TD’s current page, with rates and features as of September 1, 2026, lists 1% in four categories and 0.5% on everything else. Older descriptions with 3% on groceries no longer apply.
Is there a cap on the 1%?
Yes. The 1% applies to the first $5,000 a year in each of the four categories. Above that, purchases earn 0.5%.
Do restaurants earn 1%?
No. Restaurants are not one of the four categories, so they earn 0.5%.
How do I redeem my cash back?
Toward your account balance, from $25, anytime or once a year. Cash Back Dollars don’t expire while the account is open and in good standing.
What are the requirements?
TD asks applicants to be Canadian residents who have reached the age of majority in their province or territory. TD reviews your credit report, and approval is not guaranteed.
How to apply for the TD Cash Back Visa Card
On TD’s website, open the Cash Back Visa Card page and choose to apply. If you already bank with TD, signing in first can pre-fill part of the form.
The application asks for your personal details, employment and income. TD reviews your information and credit report before deciding on approval and on your credit limit.
Before you accept, read the disclosure with rates and fees. Setting up automatic payment of the full balance avoids interest at 21.99%, which would outweigh the 1% cash back.
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Important information
BeCred is an independent information website. We are not TD and we don’t act on its behalf, we don’t issue cards and we don’t charge for this information. Annual fee: $0 (additional cardholders $0). Interest: 21.99% on purchases, 22.99% on cash advances. Earn rates: 1% on grocery, gas and EV charging, public transit, and recurring bills, streaming, digital gaming and media, on the first $5,000 a year in each category; 0.5% on other purchases. Rates and features as of 01/09/2026 according to TD. Approval depends on TD’s review. Source: td.com, consulted on 23/10/2026.
Representative example
If you carry a $1,000 purchase balance for 30 days at 21.99% a year, the interest is about $18.07 (1,000 × 21.99% × 30 ÷ 365). If you pay your full statement balance by the due date, you pay no interest on new purchases. Illustrative calculation by BeCred with the rate published by TD.