Up to 1% cash back 
$0 Annual fee The TD Cash Back Visa Card is a card geared towards students, newcomers to Canada, or individuals with new or recovering credit files who want to build a strong relationship with TD while earning some cash back.
Bonuses & Fees
As a basic cash back credit card, the TD Cash Back Visa Card does not offer a welcome bonus.
The card has no annual fee for both the primary cardholder and any supplementary cardholders. It’s a solid choice to keep open as a free primary or backup credit card, all while supporting the longevity of your credit history.
Earning Rewards
The TD Cash Back Visa Card earns 1% cash back on groceries, gas, and recurring bill payments, with a maximum of $5,000 spent per year for gas and groceries combined, and a maximum of $5,000 for recurring bills.
It earns 0.5% cash back on all other purchases.
Redeeming Rewards
You can redeem your cash back dollars to pay down your account at any time with a minimum of $25. Otherwise, you can set up your account to do this automatically each January with no minimum cashback amount.
Perks & Benefits
Cardholders save a minimum of 10% off base rates at Avis and Budget when renting within Canada and the U.S., and a minimum of 5% off elsewhere.
Insurance Coverage
This card doubles the manufacturer’s warranty up to one additional year as well as provides 90 days of purchase protection.