$0 Annual fee The only real appeal of this card is for those seeking a no-fee cash back card with no income requirements.
Bonuses & Fees
There is no welcome offer for this credit card.
This card also has no annual fee and additional users are free.
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 cashback 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.