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TD Cash Back Credit Cards in Canada

With a TD Cash Back Credit Card, you earn Cash Back Dollars on all your purchases. You can redeem these Cash Back Dollars against your account balance or however you want and any time you want (minimum $25). Your Cash Back Dollars never expire as long as your account is open and in good standing.

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Earn Cash Back with every Purchase

TD Cash Back Credit Cards allow you to earn Cash Back Dollars on everyday purchases.
Earn more Cash Back Dollars on grocery and gas Purchases, and on regularly recurring bill payments.
Redeem2 your Cash Back Dollars annually or at any time (min. $25) – the choice is yours!
Shop securely. Your TD Cash Back Credit Card comes equipped with security features.
Discover the insurance coverages included with each TD Cash Back Credit Card.
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How to choose the best Cash Back credit card for you

Our Cash Back Credit cards offer different features and benefits to fit your lifestyle and financial habits, like:

  1. Your payment preferences: Do you want to pay an annual fee, do you often run a balance, and what interest rate are you looking for?
  2. Your financial situation: What card do you qualify for based on your income?
  3. Your spending habits: Where and when do you usually use your credit card, i.e. gas or grocery shopping?
  4. Other added features: Some cards come with added features that bring you additional savings besides Cash Back Dollars.

The benefits of a Cash Back Credit Card

Cash-back cards offer you the flexibility to use the money earned in Cash Back Dollars however you want and whenever you want– the choice is yours. Here are some points you should keep in mind when choosing a cash back credit card:

  • Accelerated Rate on Special Categories: TD cash back credit cards offer a higher earn rate on special categories which means if you spend on these categories, you can earn 1% or 3% depending on the card you choose.
  • Fee vs No-Fee Credit Cards: Not all cash back credit cards offer the same features and benefits, so it's important to evaluate the annual fee, earn rate and other benefits before you choose.
  • Bonuses: Sometimes when you sign up for most credit cards, you get a welcome bonus. With a cash-back card, this may be in the form of sign-up bonus or a higher return on spending for a limited period.

How does a Cash Back Credit Card work?

A Cash Back Credit Card allows you to earn a percentage of money spent as Cash Back Dollars on each purchase you make. Different TD cash back cards come with different rates. Some of our cash back credit cards allow you to earn 1 - 3% in Cash Back Dollars.

Your cash back credits accumulate automatically and can be viewed on your monthly statement or through EasyWeb. Once your cash back balance reaches $25 or more, you can transfer the full credit to your account balance at any time and the value will be instantly applied to your outstanding balance. If you are registered on TDRewards.com, you can also opt to have the funds transferred to your account via Electronic Funds Transfer (EFT) anytime during the year. Otherwise, your cash back credit will automatically be transferred to your account every January and will appear on your February monthly statement (provided your credit card account is in good standing). You can manage your redemption preference at TDRewards.com.

Pay monthly bills with your credit card

Your recurring bill payments may earn you higher Cash Back Dollar rate. So, use your cash back credit card to set-up recurring bill payments, such as:

  • Insurance premiums
  • Mobile phone, online streaming subscriptions & membership fees

Earn Cash Back Dollars on everyday purchases

You’ll earn Cash Back Dollars on all your purchases charged to your credit card. You can also update your card as the primary card on your favorite retail apps like auto-reloads, to earn Cash Back Dollars on those Purchases.

More options to serve you

Browse all TD credit cards

Compare our credit cards to find your preferred solution.
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Need help choosing a card?

Answer a few simple questions and we'll suggest your ideal card based on your responses.
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Add Additional Cardholders

Share the benefits of your TD Credit Card Account with up to 3 Additional Cardholders.
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TD Fraud Alerts

Get text messages right to your mobile when we detect suspicious activity made with your TD Visa Credit Card4.
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