TD Cash Back Visa Infinite Card

Quick Overview & Rating

Product: TD Cash Back Visa Infinite Card
Our Rating: ⭐⭐⭐⭐☆ (4.0 out of 5)

Key Details at a Glance:

• Annual Fee: $120 (first year waived with approved credit)
• Network: Visa Infinite
• Cash Back Rate: Up to 3% on eligible purchases
• Minimum Income: $60,000 personal or $100,000 household

Ready to apply? Check your eligibility and submit your application today.

What is the TD Cash Back Visa Infinite Card?

The TD Cash Back Visa Infinite Card is a premium rewards credit card designed for Canadians who want to maximize their everyday spending. Offered by TD Bank, one of Canada’s most trusted financial institutions, this card delivers straightforward cash back rewards without complicated points systems or redemption hassles. Whether you’re fueling up at the gas station, stocking up on groceries, or paying recurring bills, this card puts money back in your pocket on purchases you’re already making.

With its first-year annual fee waived and robust earning potential, the TD Cash Back Visa Infinite Card appeals to consumers seeking practical value and premium perks rolled into one accessible package.

Main Benefits & Features

Earn Cash Back on Every Purchase

The TD Cash Back Visa Infinite Card stands out with its tiered cash back structure. Cardholders earn 3% cash back on gas, grocery, and recurring bill payments, up to a combined total of $15,000 in annual spending in these categories. After reaching that threshold, you’ll continue to earn 1% on those purchases. All other purchases earn a flat 1% cash back with no caps or restrictions.

First-Year Annual Fee Waived

While the standard annual fee is $120, TD waives this fee for the first year, giving new cardholders a full 12 months to experience the benefits without upfront costs. This makes it easier to test the card and determine if it fits your lifestyle before committing long-term.

Premium Visa Infinite Perks

As a Visa Infinite cardholder, you gain access to exclusive travel and lifestyle benefits, including concierge service, complimentary roadside assistance, and a suite of travel insurance coverages. These perks add significant value, especially for frequent travellers or those seeking peace of mind on trips.

Contactless Payments & Digital Wallet Support

The card supports tap-to-pay technology and integrates seamlessly with Apple Pay, Google Pay, and Samsung Pay, making checkouts fast, secure, and convenient wherever you shop.

Additional Cards for Family Members

You can add authorized users at no extra charge, helping your family earn rewards together while maintaining control over spending.

Pros and Cons

Pros

• Strong 3% cash back rate on gas, groceries, and recurring bills
• First-year annual fee waived
• Premium Visa Infinite travel and insurance benefits
• No foreign transaction fees on purchases made outside Canada
• Simple cash back redemption with no blackout dates or complicated rules
• Additional cardholders at no extra cost

Cons

• $120 annual fee after the first year
• Higher income requirements may exclude some applicants
• 3% cash back is capped at $15,000 in combined eligible spending annually
• Cash back rate drops to 1% after reaching the spending threshold
• Not the best option for those who don’t spend heavily on gas, groceries, or bills

Final Verdict: Is the TD Cash Back Visa Infinite Card Worth It?

The TD Cash Back Visa Infinite Card is an excellent choice for Canadian consumers who regularly spend on gas, groceries, and recurring bills and want to earn meaningful rewards without the complexity of points programs. The first-year fee waiver sweetens the deal, and the premium Visa Infinite perks add considerable value, especially for travellers.

However, if your spending doesn’t align with the 3% categories or you prefer a no-fee card, you might find better options elsewhere. Overall, this card delivers solid value for the right user and remains competitive in the Canadian cash back market.

Ready to start earning cash back? Apply for the TD Cash Back Visa Infinite Card today and take advantage of the first-year fee waiver.