Get a solid 3% cash back on groceries, gas, and recurring payments with the TD Cash Back Visa Infinite* Card – one of the best cash back cards in Canada. Plus, for a limited time get 10% cash back on all purchases. Also, enjoy free roadside assistance and comprehensive travel insurance.

Annual Fee
$120
Extra Card Fee
$50
Card Type
Credit
Purchase
20.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$60,000
Household Income
$100,000
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Emergency Medical Term 10 days
Emergency Medical over 65 4 days
Baggage Delay $1,000
Lost or Stolen Baggage $1,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

1 Welcome Bonus: Must apply by September 8, 2020. Welcome Bonus of 10% in Cash Back Dollars ("Welcome Bonus Rebate") applies to new TD Cash Back Visa Infinite* Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $2000 ("Welcome Bonus Cap") on all purchases charged to your TD Cash Back Credit Card Account ("Account"), and recurring bill payments set up on your Account ("Pre-Authorized Payments"). Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the 1st Additional Cardholder added to the Account. To receive the 1st Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by September 9, 2020. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made during the First 3 Months will reduce or cancel the Cash Back Dollars earned at the Welcome Bonus Rebate on the original Purchase or Pre-Authorized Payment, as applicable. Welcome Bonus Cap: Once the Welcome Bonus Cap is reached, any further Purchases and Pre-Authorized Payments made in the First 3 Months will earn Cash Back Dollars at the regular accelerated 3% rebate that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments as set out in your Cardholder Agreement ("Accelerated Rebate"). Applicability of Welcome Bonus Rebate: Welcome Bonus Rebate is in place of, and not in addition to, the Accelerated Rebate. $15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments: After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend ("$15,000 Cap") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. Once the $15,000 Cap is reached for any of Gas Purchases, Grocery Purchases or Pre-Authorized Payments, then any further Gas Purchases, Grocery Purchases and Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Welcome Bonus may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD Cash Back Visa Infinite* Account in the last 12 months

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 Earn 3% in Cash Back Dollars ("Gas Rebate") for each $1.00 in Purchases of gas or gas station services or products ("Gas Purchases") charged to your TD Cash Back Credit Card Account ("Account") and earn 3% in Cash Back Dollars ("Grocery Rebate") for each $1.00 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Gas Purchase or Grocery Purchase, as applicable. $15,000 Cap: Each of the Gas Rebate and the Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for either Gas Purchases or Grocery Purchases, then any further Gas Purchases and Grocery Purchases made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Gas Rebate and Grocery Rebate: Each of the Gas Rebate and the Grocery Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases and Grocery Purchases will be reduced by the actual corresponding amount of Gas Purchases and Grocery Purchases made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Merchant Category Codes: To earn the Gas Rebate and/or Grocery Rebate, the Gas Purchases and/or Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Gas Rebate or Grocery Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 3% in Cash Back Dollars ("PAP Rebate") on each $1.00 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Cash Back Credit Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Pre-Authorized Payment. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. First Year Reduction of $15,000 Cap: During the first year that the Account is open, the $15,000 Cap for Pre-Authorized Payments will be reduced by the actual corresponding amount of Pre-Authorized Payments made in the first 3 months of Account opening ("First 3 Months") that are subject to the Welcome Bonus in Cash Back Dollars. For example, if you set up $2,000 in Pre-Authorized Payments in the First 3 Months, the $15,000 Cap for Pre-Authorized Payments will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Earn 1% in Cash Back Dollars ("Standard Rebate") on each $1.00 for all other Purchases ("Other Purchases") charged to your TD Cash Back Credit Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Cash Back Dollars earned on the original Other Purchase. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Account must be open and in good standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time on request must be for a minimum amount of $25. Where Cash Back Dollars are redeemed on an annual basis, the annual earnings period will start from when the Card is used to make Purchases until the Account’s January billing cycle of the following year, after which time the annual earnings period will continue each year from the Account’s January billing cycle to the January billing cycle of the following year. Cash Back Dollars will continue to accrue until redemption instructions are provided. There is no maximum annual amount of Cash Back Dollars that can be earned. For complete details on how to redeem Cash Back Dollars, please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Infinite Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp

7 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

8 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 10-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

9 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite* Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes, no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite* Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite* Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite* card.* Trademark of Visa International Service Association and used under license.

* Trademark of Visa International Service Association and used under license.

All trade-marks are the property of their respective owners.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Coin image© 2017 Royal Canadian Mint. All rights reserved.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

If you spend a lot of money on your monthly recurring bills, groceries, and gas ‒ then the TD Cash Back Visa Infinite* Card has the kind of rewards you'll be interested in.

To start, if you apply before September 8, 2020, you'll earn 10% cash back on all purchases for the first 3 months, up to a total spend of $2,000. That's up to $200 in cash back right there. However, this $200 includes what you would normally earn on your regular spending anyway, and you'll notice that our calculator is showing a different number. So while you can earn $200 in the first 3 months, the welcome bonus itself won't be worth quite that much.

Then, the cash back rewards just keep on coming with these high earn rates:

  • 3% in cash back dollars on eligible recurring bill payments, groceries, and gas purchases, plus
  • 1% cash back dollars on everything else.

Redeem your cash rewards when you want

3% on gas and groceries is among the highest rates you'll find on these spending categories. And 3% on all recurring bill payments? That's the best you'll find.

Plus, with a solid unlimited 1% on everything else, your cash back balance will add up fast.

Keep in mind though that these 3 categories each have their own independent spending limit of $15,000 per year, after which you'll earn 1%. Fortunately, that works out to $1,250 in spending per month which is more than enough to accommodate most Canadian households.

And, unlike most cash back cards that only give you a statement credit once a year, the TD Cash Back Visa Infinite* Card lets you reap your rewards when you want (minimum $25 per redemption).

Enjoy premium features with your TD card

What's more? This card allows you to travel worry-free, thanks to the following travel insurance:

  • Travel medical insurance – up to $2 million in coverage for the first 10 days. If you're 65 and over, you're covered for the first 4 days.
  • Delayed and lost baggage insurance – up to $1,000 overall coverage per insured person.
  • Auto rental collision/loss damage insurance – when you charge the full cost of your car rental to your card.

And speaking of driving, this card comes with emergency road services through the Deluxe TD Auto Club Membership. This coverage is comparable to a CAA plus membership, which can cost over $100 per year plus taxes. This feature alone could be worth the card's annual fee.

You also get access to the following Visa Infinite perks and benefits:

  • 24/7 Visa Concierge Service,
  • Visa Infinite Luxury Hotel Collection, and
  • Visa Infinite Dining Series.

Find out more about Visa Infinite perks here.

Please note: As a Visa Infinite card, you will need an annual personal income of $60,000 to qualify.

The bottom line

With top cash back rewards that are easy to redeem, roadside assistance, and extra insurance ‒ it's easy to see why this is one of best cash back cards in Canada.

If you're still not sure this is the right card for you, head over to our Rate Your Wallet quiz and we'll help you find the perfect fit.

What are your thoughts?

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