Pros & cons
Pros
- 10% cash back on eligible purchases for the first 3 months, up to $3,500 in spend. Conditions apply.
- Up to 3% cash back on eligible gas, groceries, and recurring bills.
- First year fee rebate (conditions apply).
- Free roadside assistance (conditions apply).
Cons
- High income requirements of $60,000 personal or $100,000 household.
- Low insurance coverage for a Visa Infinite, with 7 types included.
Your rewards
$100 GeniusCash offer
On approval, receive $100 GeniusCash on us when you apply for TD Cash Back Visa Infinite Card using this offer page.
GeniusCash offer expires on Oct 31, 2025.
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to an estimated $245.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With TD Cash Back Visa Infinite Card, here's how you earn rewards:
- 3% cash back on gas , groceries , EV charging , public transit , digital gaming, and recurring bills
- 1% cash back on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For TD Cash Back Visa Infinite Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Statement credits | $444 |
Calculating your annual rewards
$24,000 annual spending x 1.85% return on spending = $444 annual rewards
$444 annual rewards − $139.00 annual fee = $305 net annual rewards
Details and eligibility
- Estimated Credit Score
- 725 - 759
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $139.00
- First Year Free
- Yes
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- 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, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
TD Cash Back Visa Infinite Card's 3.9 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from TD
GC: $25
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.
But it offers more than just rewards, with one perk that isn't found on many credit cards in Canada.
Here are the details on the card.
Earning cash back with the TD Cash Back Visa Infinite Card
Each purchase you make with the TD Cash Back Visa Infinite Card earns you a slice of cash back. This cash back can then be used as a statement credit to help pay your bill.
Here's what you'll earn:
- 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills
- 1% cash back on all other purchases
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 will let you redeem your cash back once you've accumulated $25.
3 benefits to the TD Cash Back Visa Infinite Card
This credit card offers more than just cash back – here's what else it has to offer.
1. Bonus cash back with a welcome bonus
To start, you'll earn 10% cash back on groceries, gas, and recurring bills for the first 3 months, up to a combined spend of $3,500.
That works out to $350. Just keep in mind this includes what you would be earning anyway with your regular earn rates.
2. Free roadside assistance
Free roadside assistance is one of the rarest credit cards perks. And the TD Cash Back Visa Infinite Card is one of those cards that provides it.
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.
3. Included travel insurance
What's more? This card allows you to travel worry-free thanks to the included travel insurance.
The card comes with 7 types of insurance – you can see the full details above.
2 things to think about with the TD Cash Back Visa Infinite Card
Here are 2 things you'll want to keep in mind.
1. High income requirements
It's a Visa Infinite card, and that means it's paired with high income requirements.
You'll either need a personal income of $60,000 or a household income of $100,000 to qualify.
2. Standard credit card interest rates
If you pay your bill in full and on time, every month, this won't concern you.
There's no break from credit card interest here, having a rate of 21.99% on purchases and 22.99% on cash advances and balance transfers.
Comparison to the TD First Class Travel Visa Infinite Card
The TD Cash Back Visa Infinite Card is not the only credit card TD offers. THey also have an excellent flexible rewards card in the TD First Class Travel Visa Infinite Card.
Here's how they compare.
| TD Cash Back Visa Infinite Card | TD First Class Travel Visa Infinite Card | |
|---|---|---|
| Earn Rates | * 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills * 1% cash back on all other purchases | * 8 points per $1 spent on travel booked online through Expedia For TD * 6 points per $1 spent on groceries, restaurants, and public transit * 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media * 2 points per $1 spent on all other purchases |
| Welcome Bonus |  $100 GeniusCash + 10% cash back on eligible purchases for the first 3 months, first year fee rebate (terms) | $25 GeniusCash + Up to 165,000 bonus points (terms) |
| Average Earn Rate | 1.85% | 1.98% |
| Insurance Coverage | 7 | 12 |
| Special Features | * Free roadside assistance * Visa Infinite benefits | * Visa Infinite benefits * $100 annual travel credit |
| Annual Fee | $139 | $139 |
| Income Requirements | * $60,000 personal * $100,000 household | * $60,000 personal * $100,000 household |
Both these cards offer similar levels of rewards and insurance. So it comes down to what kind of rewards you want to earn and your preferred benefits.
The TD Cash Back Visa Infinite Card offers cash back and free roadside assistance, while the TD First Class Travel Visa Infinite Card offers flexible travel rewards and an annual $100 travel credit for use at Expedia For TD.
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FAQ
What rewards does the TD Cash Back Visa Infinite Card offer?
The TD Cash Back Visa Infinite Card offers cash back at the following rates:
- 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills
- 1% cash back on all other purchases
What special features does the TD Cash Back Visa Infinite Card come with?
The TD Cash Back Visa Infinite Card comes with a rare perk – free roadside assistance. It's a rare perk only offered on a few credit cards.
What are the income requirements and annual fee of the TD Cash Back Visa Infinite Card?
The TD Cash Back Visa Infinite Card has an annual fee of $139 and income requirements of either $60,000 personal or $100,000 household.
User reviews
Reviewed by 40 Canadians
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Bad customer service. Called 2 ti.es. First could not send me verification code and second time said 2 min waiting time. It is 17 min now and still nobody answering.
In otder to avoid yearly charges have to keep $4,000. in the all inclusive checking! This should be used for investing
Approval took longer, but the card was as expected. No surprises.
An absolute hassle to apply through a TD for approval. I have since canceled the card when incentives were completed.
Way too agressive fraud detection. It randomly stops working, last time it was blocked after an 18$ charge from PayPal which I used for over a decade. Resulted in embarrassment since I wasn't able to pay restaurant bill while travelling. Cannot trust to take it with me as I don't know when it works.
