How to Apply TD Cash Back Visa Card

In today’s digital age, credit cards have become an essential tool for managing financial transactions and reaping various benefits. One such card that has been making waves is the TD Cash Credit Card.

In this article, we’ll look into the key features and advantages of this card to help you make an informed decision about whether it’s the right fit for your financial needs.

However, before we move forward with that plan, let’s stop for a moment and look at the background of the financial institution that is responsible for issuing this credit card.

TD Bank background and profile

The Toronto Dominion Bank (TD) traces its roots to the 19th century as The Bank of Toronto and The Dominion Bank, amalgamating in 1954 and expanding globally while introducing innovative products and making strategic acquisitions. Below is a quick timeline of their business growth and expansion during the years.

• TD (Toronto Dominion) has its origins in The Bank of Toronto, founded in 1855 by millers and merchants, providing financial services for Canada’s grain industry.
• The Dominion Bank was established in 1869, focusing on supporting nation-building projects, with its first branch opening in 1871.
• Both banks expanded their services across Canada, with The Bank of Toronto having 161 branches by 1920 and The Dominion Bank establishing international offices in London and New York.
• Despite the challenges of the Great Depression and wartime, the banks expanded their branch networks during the 1940s and 1950s.
• In 1954, The Bank of Toronto and The Dominion Bank amalgamated to form TD with 499 branches and a customer-centric approach.
• TD expanded globally, introducing new products and services, such as mutual funds and the VISA card, and symbolizing its vision with the Toronto-Dominion Tower.
• In the 1980s, TD entered various businesses, including discount brokerage and real estate development, and made significant acquisitions, such as Canada Trust in 2000.

As one of the top 10 banks in North America today, TD wants to differentiate itself from its competitors by establishing a distinct brand that is based on a tried-and-true business strategy and motivated by the desire to give their clients, communities, and employees the assurance they need to succeed in a rapidly changing environment.

Here is how to contact TD Bank

By phone: (English) 1-800-983-8472 | (French) 1-800-983-8472

With the TD mobile app:

• Access the TD app on your smartphone by logging in.
• In the TD app, choose to “Contact Us” and scroll down.
• Choose “Call Us” then “TD Credit Cards”

Benefits of TD Cash Back Visa* Card

The TD Cash Credit Card boasts a range of features that cater to different spending habits and preferences. Let’s take a closer look at its main offerings:

1. No Annual Fee

One of the most attractive features of this card is that it comes with no annual fee, allowing you to enjoy its benefits without any ongoing costs.

2. Cash Back

TD Cashback Visa Card, as the name suggests, offers cashback rewards without an annual fee. This card grants users a 1% cashback on purchases at gas stations, grocery stores, and recurring bill payments. For all other purchases, a 0.5% cashback is provided. Additionally, Starbucks Rewards members receive 50 extra points when using this card for their Starbucks purchases.

3. No Cashback Cap

Unlike some other cashback cards, TD Bank Cash Credit Card doesn’t impose any limitations on how much cashback you can earn in each category.

4. TD Payment Plans

With TD Payment Plans, you can easily divide expenditures of more than $100 into convenient payments spread out over 6, 12, or 18 months.

Note: TD Bank Cash Credit Card also offers advances on Urgently Needed Funds. You have the ability to request an emergency Cash Advance for your TD Cash Back Visa Card in the amount of up to $500 (subject to the maximum credit limit you have available).

5. Automotive Benefits

• Apply for a TD Cash Back Visa* Card to save a minimum of 10% off the lowest base rates in Canada and the U.S. and 5% off the lowest base rates overseas on qualified Avis and Budget car rentals.
• Purchase TD Auto Club Membership at convenient price for 24/7 emergency assistance coverage in case of roadside emergencies.

6. Security

When you shop online, you will benefit from greater convenience as well as security when you use Verified by Visa*. With TD Cashback Visa Card, you will also get the following:

• The TD app gives you access to manage your credit card.
  Put a restriction on the number of transactions, prevent it from being used for purchases made overseas, or lock it.
• Protection from extended warranties and purchase security
  For the majority of qualifying new things you’ve bought with your Card, you always have the benefit of Purchase Security and Extended Warranty Protection, that offers insurance in the event that they are stolen or destroyed within 90 days of purchase.

Who’s eligible for the TD Cash Back Visa Card

You qualify to apply for this card if you meet the following criteria:

• You are of legal age and a resident of Canada in your province or territory of residence.
• You have a proof of monthly income.
• You do not have a bad credit (the average minimum credit score for this card is around 600 and up).

How to obtain the TD Cash Back Visa Card

To apply for a TD Cash Back Visa* Card, you can do the following:

• You can apply online:
  You can submit your application online, and you will get an answer right away.
• Call the Credit Cards Department at TD Bank:
  Their banking experts are standing by to respond to any inquiries you might have right now. To do so, just dial 1-855-315-4325.
• You can arrange a meeting:

Our Opinion

Any credit card that allows for unlimited cash back redemption typically appeals to a lot of people. While it might occasionally be enjoyable to let your rewards collect, there are times when you just want to use them when you like rather than when you are instructed to.

We liked that he TD Cash Back Visa offers this feature. With TD Cash Back Visa* Card, cardholders can receive 0.5% cash back on all other purchases in addition to 1% cash back on all grocery store, petrol station, and recurring bill purchases. What’s best? You can use your cash back as a statement credit whenever you like after earning at least $25. Not to mention, the number of awards you can acquire has no upper or lower bound. This card has no annual charge and allows you to add more cardholders for no additional cost, allowing you to earn cash back rewards even faster.

In conclusion, based on our overall experience, we genuinely believe that the TD Cash Back Visa is a good choice for a credit card. Moreover, if you’re already banking with TD, this card becomes an unbeatable companion for your financial journey.