Cash Back Calculator: TD Cash Back Credit Cards

Cash Back Calculators
Calculate how much cash back you can earn with TD cash back credit cards and compare the results side by side top rewards cards in Canada.

TD Bank is an American national bank and subsidiary of the Canadian multinational Toronto-Dominion Bank. They are headquartered out of Cherry Hill, New Jersey. They offer their own cash back program in which you can earn cash back running spend through TD Bank credit cards. TD also offers rewards points credit cards.

TD Cash Back Credit Cards

TD offers three cash back credit cards which consists of two personal cards and one business card. These cards earn cash back across gas station, recurring bill payments, and either grocery or office supply stores depending on the card. If you're looking for a great cash back card, TD offers some solid options.

Best For Maximum Cash Rewards

Rewards Rate
3%
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your account.
1%
Earn 1% Cash Back Dollars on all other Purchases made with your Card
Main Card Highlights
  • Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours!
  • Your Cash Back Dollars never expire as long as your account is open and in good standing
  • Get access to Visa Infinite Benefits such as Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, and Visa Infinite Food and Wine Experiences.
  • Use your Canadian TD Credit Card to charge the full cost of a car rental to get the Collision/Loss Damage coverage at no additional cost.
  • Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Be protected with Travel Medical Insurance, Emergency Travel Assistance Services, and Delayed and Lost Baggage Insurance.
  • Protect your purchases with Purchase Security and Extended Warranty Protection.
Annual Fee
$120
Authorized User Fee
$50 for first Additional Cardholder; $0 for subsequent Additional Cardholders.
Foreign Transaction Fee
2.5%
Rewards Rate
1%
Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases and on regularly recurring bill payments set up on your Account.
0.5%
Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
Main Card Highlights
  • For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
  • Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance.
  • Your Cash Back Dollars never expire as long as your account is open and in good standing.
  • Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Protect your purchases with Purchase Security and Extended Warranty Protection.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%
Rewards Rate
2%
Earn 2% in Cash Back Dollars on eligible Office Supply Purchases and Gas Purchases
2%
Earn 2% in Cash Back Dollars on regularly recurring bill payments set up on your Account.
0.5%
Earn 0.5% in Cash Back Dollars on all other purchases made with your card.
Main Card Highlights
  • No annual fee.
  • Your Cash Back Dollars never expire as long as your account is open and in good standing.
  • Shop knowing you have coverage for most of your eligible new purchases with Purchase Security and Extended Warranty Protection
  • Get access to the Card Management Tool: An easy way to access online reporting, review your business expenses, manage your existing credit limits and apply spend controls.
  • Your Cash Back Dollars are credited back to your business account as an automatic statement credit on an annual basis.
  • Discounts of up to 25% off for business purchases made under the Visa SavingsEdge* Program.
  • Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.5%

Redeeming TD Cash Back

TD Cash Back credit cards earn Cash Back Dollars on all purchases. Cash Back Dollars can be redeemed against your account balance, for merchandise, or to your TD account. If you don't redeem your cash back, it will be automatically transferred to your account every January and will appear on your February statement. You can redeem a minimum of $25 in Cash Back Dollars.

Other TD Calculators

TD Bank offers travel rewards credit cards as well as co-branded credit cards for Air Canada's Aeroplan program. Calculate rewards and compare top cards!

TD offers several TD Rewards Points credit cards which have great value when redeemed for travel. Calculate total points based on spend and compare against top credit cards on the market.
TD offers a handful of Aeroplan credit cards which can be great if you fly them often. Get the details, calculate rewards, and compare cards.
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