Overall rating
First year value
$1,068
Get this card if you:
- want to earn cash back on everyday purchases
- want to redeem cash back at any time
- appreciate a good welcome offer
Scores by category
Cash Back 4.2
Gas 3.5
Groceries 3.2
At a glance
The TD Cash Back Visa Infinite* Card is a cash back credit card offering elevated earn rates on gas, groceries, and recurring bill payments, with a standard rate on all other purchases. Cardholders benefit from perks such as a comprehensive roadside assistance package through the Deluxe TD Auto Club Membership and travel insurance coverage; however, the card carries an annual fee, and the elevated cash back rates are subject to a maximum spend limit, after which a lower rate applies.
Highlights
$1,068
First year value
up to $600 in value†
Welcome bonus
$139
Annual fee
Get an Annual Fee Rebate for the first year†
Interest Rates
20.99%
Purchase APR
APR for purchases 20.99%†
22.99%
Balance transfer APR
APR for balance transfers 22.99%†
22.99%
Cash advance APR
APR for cash advances 22.99%†
Eligibility
Excellent
Recommended credit score
$60,000
Required annual personal income
$100,000
Required annual household income
Quick overview of the TD Cash Back Visa Infinite*
This offer is not available for residents of Quebec.
Looking for a cash back credit card? With a decent welcome bonus and 3% cash back on eligible groceries, gas, and recurring bill payments†, the TD Cash Back Visa Infinite* Card might be one of the best cash back credit cards on the market right now. Here’s what you need to know about this credit card.
Who can benefit from the TD Cash Back Visa Infinite* credit card?
The TD Cash Back Visa Infinite credit card is an excellent option for individuals with significant grocery costs, multiple vehicles, or long commutes. Featuring a cash-back rewards program, this credit card provides the highest earning rate on groceries, gas, and recurring bill payments. Whether purchasing groceries for your family, refueling your vehicles, or settling your monthly bills, this credit card can assist you in earning cash back on your day-to-day expenditures.
Pros and cons of the TD Cash Back Visa Infinite* card
Pros
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Solid welcome offer
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High earn rate for 3 popular categories
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Can use cash back right away
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Useful automotive benefits
Cons
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Maximum spend limit for 3% cash back
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High annual fee for a cash back card
TD Cash Back Visa Infinite* welcome bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply. Offer effective as of January 7, 2025..
First -year annual fee rebate
New accounts also enjoy a 1st-year annual fee rebate when meeting minimum requirements. Get an Annual Fee Rebate for the first year†
How to earn cash back with the TD Cash Back Visa Infinite* Card
The TD Cash Back Visa Infinite* Card is, as the name implies, a cash back card which means that for all of your purchases you will earn a certain percentage back as ‘cash’.
For this card, there are two different earn rates:
- Earn 3% cash back on groceries, gas and recurring bill payments† Many credit cards offer higher rates for groceries and gas, but the accelerated rate for recurring bill payments as well is a big draw for this credit card.
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Earn 1% cash back on all other purchases†
If you are curious to see how much you can earn in cash back per year with the TD Cash Back Visa Infinite* Card, take a look at their cash back calculator on their webpage found here.
How to redeem cash back
Redeeming cash back with this card is easy. Unlike other cash back cards, you can redeem at any time. You don’t have to wait until the end of the year to see that money. Any cash back that you earn can be put towards your credit card statement whenever you choose.
To do this, log into your TD account. You can then visit your rewards/cash back balance and click "Pay With Rewards." You can then choose how much you would like to redeem, review, and click pay now to confirm and submit your payment. Your cash back balance will update immediately, but the payment will take a day or two to appear on your account. You will receive a confirmation number for your records.
Additional perks and features of the TD Cash Back Visa Infinite* Card
The TD Cash Back Visa Infinite* Card has a few extra perks for cardholders. These include:
Travel insurance
- Travel medical insurance†: up to $2 million for the first 10 days (4 days if you are over the age of 65)
- Delayed and lost baggage insurance†: up to 1,000 per person insured
- Emergency travel assistance services
Automotive benefits
This includes free Deluxe TD Auto Club Membership for roadside assistance that covers you for 24 hours/day with emergency road services.
Exclusive Visa Infinite* card benefits
With the Visa Infinite* Luxury Hotel Collection† you receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Plus, get access via Visa Infinite Dining Series† and Visa Infinite Wine Country Program†. You’ll get Visa Infinite Entertainment Access† that grants you exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival®.
Mobile device insurance†
Get mobile device protection of up to 1,000 in coverage in the event of the loss, theft, accidental damage or mechanical breakdown for eligible mobile devices when you use your card to pay all of your monthly mobile bill payments and any upfront costs, or charge at least 75% of the purchase price when paying the full cost of your new mobile device up front.
Rates and fees of the TD Cash Back Visa Infinite*
Interest rates
The TD Cash Back Visa Infinite* Card carries a higher than normal APR for purchases 20.99%†. The other interest rates with the card are:
- APR for balance transfers 22.99%†
-
APR for cash advances 22.99%†
How to apply
Ready to apply for the TD Cash Back Visa Infinite* Card? Assuming you meet the eligibility requirements as described above, you can easily apply for your credit card online.
Visit the web page for the TD Cash Back Visa Infinite* Card and click the orange Apply Online button. You will then be taken to a secure page that starts off by asking if you are an existing TD customer or if you are new. If you are a TD client, you can log into your online account to speed up the process. If not, don’t worry, it’s a simple application that should only take you a few minutes to complete.
First, you will be asked to confirm which credit card you are applying for. Click continue.
You will then need to indicate which province you live in and will be given an information box to read about fees for the credit card in your province. Once you have read this over, click "I Agree."
You will then be asked to complete your personal information including name, address, contact information, and SIN number.
Once you are approved, you should receive the card in the main in about 14 business days.
How does the TD Cash Back Visa Infinite* compare?
| Card name | American Express Cobalt® Card | BMO eclipse Visa Infinite* Card |
|---|---|---|
| Welcome bonus | Earn up to 15,000 Welcome Bonus Membership Rewards® points* – that’s up to $150 in value. | Get up to 60,000 points worth $400 in travel rewards, a $50 lifestyle credit and the $120 annual fee waived in the first year - that's a $570 value in your first anniversary.* |
| Highest earn rate | Earn 5x points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap of $2,500. | 5x the points for every $1 spent on groceries, gas, dining in and out and transit* |
| Other key feature | Transfer points to other travel rewards programs | a $50 annual lifestyle credit to spend however you want* |
| Annual fee | $155.88 ($12.99 monthly fee) | $120 |
| Interest rates | 21.99% on purchases, 21.99% on cash advances | 21.99% on purchases, 23.99% (21.99% for Quebec residents) on cash advances |
*Terms and conditions apply
Is the TD Cash Back Visa Infinite* worth it?
Right now, with the TD Cash Back Visa Infinite* Card’s welcome bonus and high earn rates, it’s one of the best cash back cards in Canada. We love that you can collect cash back at an accelerated rate for recurring bill payments. Plus, being able to use the cash back whenever you want is also a huge perk. While the annual fee is pricier than others, with these earn rates you can make it back pretty quickly.
Eligibility requirements for the Cash Back Visa Infinite* card from TD
In order to qualify for the card, you must meet the following eligibility requirements:
- You must have a personal annual income of $60,000 or a household annual income of $100,000.
- A credit score of Excellent.
- Be the age of majority in your home province.
†Terms and conditions apply.
Sponsored Content
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the apply now link. Conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the apply now link for the most up to date information.
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†Terms and conditions apply.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.
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