TD Cash Back Visa^* Card

No fee and no bonus means this is a pure long-term keeper – valuable for building credit history without ongoing fee decisions.

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.

Car 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.

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.