100 Cash Back Dollars
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
$108
First-year value
100
Cash Back Dollars
$0
Annual fee
Based on the minimum spend required to earn the full welcome bonus.
20 Cash Back Dollars on first purchase
80 Cash Back Dollars upon spending $1,500 in the first three months
Total of up to 100 Cash Back Dollars
Streaming, Groceries, Gas, Bills & Transit
Everything Else
Last updated: March 2, 2026
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.
| Tier | Amount | Requirement |
|---|---|---|
| On first purchase | $20 | First purchase |
| Spend threshold | $80 | $1,500 spend in 3 months |
| Total | $100 cash back |
Annual Fee
Free
First Year Free
Yes
Additional Card
Free
†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
100 Cash Back Dollars
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Last updated: March 2, 2026
No fee and no bonus means this is a pure long-term keeper – valuable for building credit history without ongoing fee decisions.
| Category | Rate |
|---|---|
| Streaming | 1% |
| Groceries | 1% |
| Gas | 1% |
| Bills | 1% |
| Bills | 1% |
| Transit | 1% |
| Everything Else | 0.5% |
Best for spreading spending across everyday categories – streaming, groceries, gas, bills, transit – rather than concentrating in one area, since half your purchases will drop to the baseline rate once you hit the $3,000 threshold in any category.
Redeem for statement credits in $25 increments or direct deposit to your TD account – pure cash value with no transfer partners, bonuses, or complexity.
No annual fee
First Year FreeCar rental discounts
TravelCar rental discounts offer modest value for frequent domestic renters, though premium cards with complimentary collision damage waiver insurance often deliver greater per-rental savings by letting you decline costly rental agency coverage.
Underwritten by TD Home and Auto Insurance Company
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | Not included | – |
| Trip Cancellation | Not included | – |
| Trip Interruption | Not included | – |
| Trip Delay | Not included | – |
| Baggage Delay | Not included | – |
| Baggage Loss | Not included | – |
| Rental Car (CDW/LDW) | Not included | – |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | – |
View Certificate of Insurance (PDF)
Extended warranty adds a year of protection on electronics and appliances, but the complete absence of travel medical, trip interruption, or baggage coverage means you'll need a different card or standalone policy for any trip outside your home province.
146,000 TD Rewards Points
