The ClearFin bottom line
💵 3% Cashback
Its strongest published earn rate in our data is 3.0% on groceries. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Cash Back Visa Infinite
Start with 10% cash back for 3 months on up to $3,500 in eligible purchases, plus first-year fee rebate.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- Cash Back
- Welcome offer
- 3,500 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
Limited offer$140cash rebate*
💵 3% Cashback
💵 3% Cashback
Welcome bonus
10% cash back for 3 months on up to $3,500 in eligible purchases, plus first-year fee rebate
New cardmembers can earn 10% cash back for 3 months on up to $3,500 in eligible purchases, plus first-year fee rebate by completing the steps below.
Offer details
The issuer describes up to $600 in combined first-year value. Full category, cap and account terms apply.
How you earn
- Earn 3% Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, and Public Transit purchases
- Earn 3% Cash Back Dollars on Recurring Bill Payments, Streaming, Digital Gaming & Media purchases
- Earn 1% Cash Back Dollars on all other eligible purchases
- Earn 10% Cash Back Dollars (intro offer) on bonus eligible purchases up to $3,500 in the first 3 months
- Cash Back Dollars can be redeemed anytime to reduce your credit card balance (minimum redemption typically applies)
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139First year free
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Additional card$50
Household income$100,000Alternative minimum
Recommended credit score660+ Good to Very Good (Prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting assessment combined with eligibility criteria including $60,000 personal income or $100,000 household income, Canadian residency, and age of majority.
Reward limits: No explicit annual spending caps are published for ongoing 3% and 1% cash back earn rates on the product page. Only promotional bonus limits are clearly defined.
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem earned cash rewards using the issuer's available cash-back or statement-credit options.
Minimum redemption amounts, automatic payout timing, and eligible account credits vary by issuer; confirm the current program terms before applying.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Deluxe TD Auto Club Membership
Complimentary 24/7 roadside assistance coverage including emergency towing, battery boost, fuel delivery, and lockout services.
Visa Infinite Concierge
24/7 concierge service for travel, dining, entertainment bookings, and lifestyle assistance.
Mobile Device Insurance
Coverage up to $1,000 for eligible mobile devices against loss, theft, accidental damage, or mechanical breakdown.
Travel Medical Insurance
Up to $2 million coverage for eligible emergency medical expenses while traveling (time-limited coverage depending on age and trip length).
Trip interruption and baggage protection
Coverage for delayed or lost baggage and eligible trip interruption or delay expenses when travel is paid with the card.
Car rental insurance coverage
Auto rental collision/loss damage insurance when full rental cost is charged to the card.
Purchase security and extended warranty
Protection for eligible purchases against theft or damage for 90 days and extended manufacturer warranty coverage.
Visa Infinite lifestyle benefits
Access to dining events, hotel collections, entertainment offers, golf programs, and curated Visa Infinite experiences.
Show all 9 benefitsShow fewer
Flexible cash back redemption
Cash back can be redeemed anytime toward your credit card balance once minimum threshold is met.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- High cash back earning structure with 3% on groceries, gas, EV charging, transit, recurring bills, streaming, and digital media purchases
- Strong everyday value with 1% unlimited cash back on all other eligible purchases
- Rich Visa Infinite benefits package including concierge service, travel insurance, mobile device insurance, and roadside assistance
Worth noting
- Foreign transaction fee of 2.5% applies to all non-CAD purchases, reducing value for international spending
- High income requirement ($60,000 personal or $100,000 household) limits accessibility compared to standard cashback cards
- 3% earn categories are subject to issuer-defined eligible purchase rules, which may exclude certain merchants and reduce real-world earn consistency
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
💵 3% Cashback
3% cashback on groceries, gas, EV charging & transit. 3% on recurring bills & streaming. 1% on everything else.
How the rewards work
Groceries, Gas receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $4,650 in annual spending at that rate would equal the $139 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on groceries and gas and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.