TD Cash Back Visa Infinite Card Review
- Welcome Offer
- 3% Cash Back Dollars
- Rewards
- Up to $600
- Annual Fee
- $0 annual fee for the first year ($139 thereafter)
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
Summary
Get a sweet welcome bonus and cash back on your everyday purchases.
The benefits of having a TD Cash Back Visa Infinite Card include up to 3% cash back on groceries, gas/EV charging, recurring bill payments, streaming, digital gaming and more, plus 1% cash back on all other eligible purchases. You'll also get complimentary travel medical insurance, car rental benefits and Visa Infinite Concierge services.
Best for: Travellers who want to earn cash back rewards on everyday purchases like gas, groceries and recurring bill payments.
Pros
-
Earn up to 3% cash back
-
Purchase Security & Extended Warranty Protection
-
Travel medical and lost/delayed baggage insurance
-
Car rental discounts
-
Exclusive Visa cardholder benefits, including concierge services
Cons
-
$139 annual fee
-
$50 annual fee for each supplementary card
-
$15,000 spend limit on each 3% cash back category
The basics
The TD Cash Back Visa Infinite Card pays cash back rewards on everyday purchases like groceries, gas & EV charging, recurring bill payments and streaming. Other standard perks include complimentary medical and baggage insurance, car rental discounts and Visa Infinite Concierge services.
With this TD credit card, you have the option to pay for extras like TD Credit Card Payment Protection, Trip Cancellation/Trip Interruption Insurance and additional days of travel medical coverage.
The perks
- Welcome bonus. Earn up to $600 in total value. Earn 10% in Cash Back Dollars in the first 3 months on bonus eligible purchases (up to a total spend of $3,500). Plus, get the first year annual fee rebated. Conditions apply.
Bonus eligible purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made. - Cash back rewards. Earn 3% cash back when you make eligible purchases of up to $15,000 per year on groceries, gas, EV charging, public transit, recurring bill payments, streaming, digital gaming and media purchases on your credit card. Earn 1% for eligible purchases above $15,000 and for all other spending.
- Auto benefits. This card comes with 24/7 Emergency Road Services with a Deluxe TD Auto Club Membership. Get at least 10% off qualifying vehicle rentals at participating Avis and Budget locations in Canada and the US and 5% on qualifying rentals internationally. Plus, get Collision/Loss Damage coverage when you charge the full cost to your card.
- Purchase Security and Extended Warranty Protection. Most eligible new items purchased with the TD Cash Back Visa Infinite Card are covered against theft or damage for up to 90 days from the transaction date.
- Travel insurance. Enjoy peace of mind when you're travelling with up to $2,000,000 Travel Medical Insurance for 10 consecutive days (4 consecutive days if you or your spouse is 65+). Enjoy access to toll-free Emergency Travel Assistance Services while travelling. Plus, get up to $1,000 per covered person for delayed and lost baggage.
- Visa cardholder perks. Having this Visa credit card opens the door to loads of perks:
- Access 24/7 complimentary Visa Infinite Concierge services
- Exclusive benefits at Visa Infinite Luxury Hotels
- Exclusive access to ticketed events like Toronto International Film Festival and gourmet experiences
- Visa Infinite Troon Golf perks like Troon Rewards Silver Status at 95+ golf courses and 10% off on green fees
- Digital wallet support. Make contactless payments with Apple Pay, Google Pay or Samsung Pay.
What to watch for
- Annual fee. The TD Cash Back Visa Infinite Card comes with a $139 annual fee, although TD may run occasional promotions that rebate or waive this fee in the first year for new cardholders. Additionally, there’s a $50 annual fee for each supplementary card.
- Capped accelerated cash back. You can only earn 3% cash back on the first $15,000 spent in eligible categories, such as groceries and gas. After this, the default rate of 1% applies to eligible purchases.
- Optional add-ons cost extra. Extra fees apply for optional services like TD Credit Card Payment Protection, Trip Cancellation/Trip Interruption Insurance and extended travel medical coverage.
TD Cash Back Visa Infinite Card
| Interest type | Interest rate |
|---|---|
| Purchase interest rate | 21.99% |
| Cash advance rate | 22.99% |
What should I know before I apply?
To apply for the TD Cash Back Visa Infinite Card online, be ready to provide basic personal and financial information as well as valid government-issued ID. You’ll also need to meet the following eligibility criteria:
Eligibility requirements
- Be a Canadian resident
- Be the age of majority in your province/territory of residence (18 or 19)
- Have a valid email address
- Have a personal annual income of $60,000+ or an annual household income of $100,000+
How to apply
- Head to TD's website, and select Apply now.
- Fill out the credit card application and receive an instant response. You may be able to use your login credentials for existing bank accounts with major Canadian banks or credit unions to help TD pre-fill your personal details.
Bottom line on the TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite Card offers convenient cash back categories spanning a range of everyday purchases, and it’s a great option if you’re looking for travel perks. Just be aware of the annual fee. Check out other TD credit cards if you want different benefits or a lower annual fee.
Compare the TD Cash Back Visa Infinite Card with alternative credit cards
Welcome Offer
Up to 5% cash back
Rewards
Up to 3% cashback
Annual Fee
$0
Credit Score
660
Welcome Offer
15,000 points
Rewards
Up to 5x points per $1 spent
Annual Fee
$191.88
Credit Score
700
Welcome Offer
Up to 5% cash back
Rewards
Up to 2% cash back
Annual Fee
$0
Credit Score
650
Frequently asked questions
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