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TD Cash Back MasterCard® Card


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Apply for a TD Credit Card

Turn everyday
Purchases into cash

Earn 0.75% cash back rewards on all your Purchases1 to redeem when you want, how you choose with the TD Cash Back MasterCard Card.

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Annual Fees


Authorized Users

(up to 3)2




Cash Advances


Credit Limit

$1,500 minimum

Eligibility Requirements

Is this the right Card for you?

A good choice if:

  • You want to earn cash back rewards on your Purchases
  • You don’t want spending rules or limits on your cash back reward potential
  • You don’t want to pay an Annual Fee
  • You want to choose when and how you redeem your rewards

Apply online

Apply online and receive an instant decision.

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It’s easy to earn and redeem cash back rewards

Earn cash back rewards with your
TD Cash Back MasterCard Card.

Earn 0.75% cash back rewards on all Purchases1

  • No spending rules or limits on your cash back reward potential
  • Redeem when you want, how you choose3 – and your cash back rewards never expire

How to redeem cash back rewards

It’s easy to manage your cash back rewards

  • You can choose to receive your cash back rewards annually each January of the following year or simply allow your cash back rewards to accumulate for as long as you want and then redeem them when you’re ready (minimum $25)
  • Choose to credit your cash back rewards to your TD Cash Back MasterCard® Account or deposit to your TD Canada Trust personal deposit account (chequing or savings)4
  • Your cash back rewards never expire and are available to you as long as you remain a Cardholder

Calculate how many cash back rewards you could earn in your first year

Move the slider to the approximate amount of credit card purchases you currently make each month.

Monthly spend


Based on an approximate monthly spend of $ in one year you could earn $ in cash back rewards*.

Benefits of this Card

Expand Travel Benefits

Wherever you’re headed on your next trip, know that you’re covered.

No-fee Travellers Cheques

  • American Express® Travellers Cheques are welcomed at establishments around the world.
  • As a TD Credit Cardholder, you're entitled to purchase any amount you need through participating TD Canada Trust branches - without paying the standard commission fee.

Expand Automotive Features

Receive special automotive benefits that help you get from A to B.

Avis Rent-A-Car And Budget Rent-A-Car preferred rates6,7

Save 5% to 25% off the lowest available discountable time and mileage retail rate on qualifying car rentals from Avis and Budget when the rental is charged to your Card.

For Avis rentals, visit or call 1-800-879-2847 to reserve.
Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation.

For Budget rentals, visit or call 1-800-268-2900 to reserve.
Quote Budget Customer Discount (BCD) #A331700 at time of reservation.

Optional TD Auto Club Membership8

With optional Deluxe or Standard TD Auto Club Membership, you and your family will enjoy peace of mind knowing that in the event of a road emergency, help is just a phone call away. For information and to enroll, call 1-800-245-0297.

Expand Everyday Services

Convenient services that make your banking experience more comfortable

24-hour Cash Advance and Account access9

With your TD Cashback MasterCard Card, you have access to:

  • Instant Cash Advances, subject to your available credit limit, at over one million ATMs worldwide, at all TD Canada Trust branches and at select financial institutions around the world.
  • The flexibility and freedom to manage your Account, your way, through Green Machine ATMs, EasyWeb Internet banking, EasyLine telephone banking and your wireless phone – download the TD mobile app for immediate, secure access to TD’s mobile banking service (

To register for EasyWeb or EasyLine, call 1-866-222-3456.

Balance Transfer10

  • You can use our Balance Transfer service to consolidate your debts from other non-TD Credit Cards, quickly and easily to your TD Credit Card.
  • Just transfer the balance from your other non-TD Credit Cards to your TD Credit Card in real time.
  • By doing this you can keep track of your expenses with one monthly payment as opposed to multiple payments.

For more information, visit us at your nearest TD Canada Trust branch.

Pre-Authorized Payments

For added convenience after you open your TD Credit Card Account, you can arrange to have your TD Credit Card payments automatically withdrawn from your bank account at any Canadian financial institution. Simply choose whether you want to make your Minimum Payment or pay your balance in full each month and your payment will be withdrawn from your personal chequing or savings account on the Payment Due Date.

Expand Security

No matter where you shop, make your transactions more secure.

Chip & PIN technology

  • TD Credit Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN).
  • A PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.

Emergency Cash Advances9

  • You can ask for an emergency Cash Advance in an amount determined by the type of TD Credit Card you have (subject to your available credit limit).
  • Get up to $5,000 for TD Cash Back MasterCard Card.

MasterCard SecureCode® Service

MasterCard SecureCode® is a private code for your MasterCard Account that you can use when you're shopping online. With this added protection, even if someone knows your TD Credit Card number, they will not be able to use it for online purchases.

Expand Optional Coverage

To help protect you from some of the really difficult times in life, optional coverage is available for purchase.

Optional Travel Medical Insurance5

Enjoy the security that comes with Travel Medical Insurance. When you're on a trip, the last thing you want to be concerned about is your medical coverage. Going out of province or country, Travel Medical Insurance covers you for eligible emergency medical expenses so you can enjoy your trip. Choose between Annual Plan coverage (the best value for frequent travellers) which includes Trip Interruption and Trip Cancellation coverages or Per Trip coverage for occasional travellers.

Optional Balance Protection insurance11

Optional Balance Protection insurance products are designed to assist in managing your credit obligations on your TD Credit Card(s) in the event of your Involuntary Unemployment, Loss of Self-Employment Income, Disability Requiring Hospitalization, Total Disability, Dismemberment, Critical Illness or Death. To learn more about optional Balance Protection insurance products, call 1-866-315-9069 or visit

Ways to Apply

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Apply online

Apply online and receive
an instant decision

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Special Applications

If you’re new to Canada, rebuilding your credit, or a student, we have special options just for you.

Find out more

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Our banking specialists
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New to Canada?

If you arrived in Canada within the last two years, TD offers credit cards in addition to a banking package which includes the ability to apply for a credit card without having Canadian credit history.