TD Cash Back Visa Infinite* Card
- Earn 10% cash back on the first $3,500 in purchases within 3 months (up to $350 value), plus first-year annual fee rebate ($139).
- 3% cash back on groceries, gas, electric vehicle charging, public transit, and recurring bill payments.
- Complimentary Deluxe TD Auto Club Membership, providing 24/7 unlimited dispatch emergency roadside assistance.
- Comprehensive mobile device insurance, travel medical coverage, and Avis/Budget car rental discounts.
This card rewards everyday household spending with elevated cash back on common monthly categories and a simple flat rate on everything else. It stands out for frequent commuters and families who want flexible cash back redemptions instead of points.
Welcome bonus
Earn up to $600 in total value, including 10% cash back in the first 3 months on bonus eligible purchases up to $3,500, plus a first-year annual fee rebate.
worth approximately $350
~$489 first-year value after $0 first-year fee
Earn rates
Estimate annual rewards
You'd earn ~$360/year
Key facts
Annual fee
$139.00
$50 for first Additional Cardholder.
Purchase APR
21.99%
Cash advance APR
22.99%
Foreign transaction fee
2.5%
Income required
$60,000 personal / $100,000 household
Credit score
725+
Quebec residents — terms may differ
Cash advance rate is 21.99% in Quebec (vs 22.99% elsewhere), and a 5% minimum monthly payment applies.
Rates and fees sourced from TD's official card page →
Perks & benefits
Earn 10% cash back on the first $3,500 in purchases within 3 months (up to $350 value), plus first-year annual fee rebate ($139).
3% cash back on groceries, gas, electric vehicle charging, public transit, and recurring bill payments.
Complimentary Deluxe TD Auto Club Membership, providing 24/7 unlimited dispatch emergency roadside assistance.
Comprehensive mobile device insurance, travel medical coverage, and Avis/Budget car rental discounts.
Insurance coverage
- Travel medical ($2M, 10 days under 65, 4 days 65-75).
- Baggage delay/lost baggage ($1,000).
- Car rental damage/theft included.
- Mobile device ($1,000).
- Purchase protection (90 days) and extended warranty (1 year).
Pros & cons
Pros
- Strong 3% earn rate across several everyday spend categories
- Flexible cash back redemption with no category activation needed
- First-year annual fee rebate improves first-year value
- Deluxe TD Auto Club membership adds practical everyday value
Cons
- Annual fee applies after the first-year rebate period ends
- Requires Visa Infinite-level income to qualify
- Foreign transaction fee is not a standout travel feature
- Flat 1% earn rate on non-bonus spending is modest
Eligibility requirements
- Canadian resident, age of majority.
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