TD Bank

TD Cash Back Visa Infinite

Start with up to $600 in total value.

Annual fee: $139
Reward type: Cash Back
Income required: $60,000
Typical credit · 660+: 300+Poor
640+Fair
720+Good
760+Very Good
800+Excellent

💵 3% Cashback

Welcome bonus

New cardmembers can earn up to $600 in total value by completing the steps below.

How to earn it

10% Cash Back DollarsOn bonus eligible purchases up to $3,500 in the first 3 months
Annual fee rebateFirst year annual fee waived for eligible new accounts (must activate card and meet initial purchase condition within offer window)

New TD Cash Back Visa Infinite cardholders who apply, are approved, and meet promotional spend conditions.

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)

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.

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Flexible cash back redemption

Cash back can be redeemed anytime toward your credit card balance once minimum threshold is met.

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

Issuer terms apply. ClearFin is not affiliated with this provider. How we make money.