TD Cash Back Visa Infinite
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TD Cash Back Visa Infinite Card
Pros
- Earn up to 3% cash back on grocery purchases
- Comprehensive travel insurance
- Purchase protection and extended warranty
- Flexible payment options
Cons
- $120 annual fee
- Minimum income requirement of $60,000
- Interest rate of 20.99% on purchases and 22.99% on cash advances
Key Features
The TD Cash Back Visa Infinite is a popular credit card in Canada, offering a range of benefits to cardholders. Some of the key features of this card include a welcome bonus of 10% cash back on all purchases made in the first three months, with no limit on the amount of cash back that can be earned during this period. After the initial three months, cardholders can earn 3% cash back on groceries and gas purchases, as well as on recurring payments such as utility bills and insurance premiums. All other purchases earn 1% cash back. The card has an annual fee of $139.
In addition to its cash back rewards, the TD Cash Back Visa Infinite also offers a range of other benefits, including travel insurance, purchase protection, and extended warranty coverage. Cardholders also have access to a dedicated customer service team and can take advantage of exclusive discounts and offers through the TD Rewards program.
Pros & Cons
The TD Cash Back Visa Infinite has a number of advantages that make it an attractive option for many Canadians. Some of the key benefits of the card include its high cash back earn rates on groceries, gas, and recurring payments, as well as its comprehensive travel insurance coverage. The card also offers a range of other benefits, including purchase protection and extended warranty coverage.
However, there are also some potential drawbacks to consider. The card has an annual fee of $139, which may be a deterrent for some cardholders. Additionally, the card's cash back earn rates are not as high on other types of purchases, with all non-grocery, non-gas, and non-recurring payments earning only 1% cash back. Cardholders should also be aware that the card has a relatively high interest rate, with a purchase interest rate of 20.99% and a cash advance interest rate of 22.99%.
It's also worth noting that the card requires a good credit score to be approved, with TD typically looking for a credit score of 660 or higher. This may make it more difficult for some Canadians to be approved for the card, particularly those with poor or limited credit histories.
How It Compares
The TD Cash Back Visa Infinite is just one of many cash back credit cards available in Canada. Some other popular options include the CIBC Dividend Visa Infinite, the RBC Cash Back Preferred World Elite Mastercard, and the Scotia Momentum Visa Infinite. Each of these cards has its own unique features and benefits, and the best card for a particular individual will depend on their specific needs and preferences.
One key area where the TD Cash Back Visa Infinite stands out is in its cash back earn rates. The card's 3% earn rate on groceries, gas, and recurring payments is one of the highest in Canada, making it an attractive option for cardholders who spend a lot in these categories. However, other cards may offer higher earn rates on other types of purchases, or may have more comprehensive benefits packages.
| Card | Welcome Bonus | Cash Back Earn Rates | Annual Fee |
|---|---|---|---|
| Td Cash Back Visa Infinite | 10% cash back for 3 months | 3% on groceries, gas, recurring; 1% elsewhere | $139 |
| CIBC Dividend Visa Infinite | 4% cash back for 4 months | 4% on gas, groceries; 2% on dining, daily transit; 1% elsewhere | $120 |
| RBC Cash Back Preferred World Elite Mastercard | 1.5% cash back for 3 months | 1.5% on gas, groceries; 1% elsewhere | $99 |
Who It's For
The TD Cash Back Visa Infinite is a good option for Canadians who want to earn high cash back rewards on their everyday purchases. The card's 3% earn rate on groceries, gas, and recurring payments makes it an attractive option for cardholders who spend a lot in these categories. The card is also a good choice for individuals who value comprehensive travel insurance coverage and other benefits such as purchase protection and extended warranty coverage.
In terms of credit score, TD typically looks for a credit score of 660 or higher to approve applicants for the TD Cash Back Visa Infinite. This makes the card a good option for individuals with good or excellent credit, but may make it more difficult for those with poor or limited credit histories to be approved.
Newcomers to Canada may also find the TD Cash Back Visa Infinite to be a good option, as it does not require a long credit history to be approved. However, applicants will still need to meet the card's other eligibility criteria, including having a minimum income of $60,000 per year (or $100,000 per year for households).
How to Apply
Applying for the TD Cash Back Visa Infinite is a straightforward process that can be completed online, by phone, or in-person at a TD branch. To apply, individuals will need to provide some personal and financial information, including their name, address, date of birth, and income level.
Applicants will also need to consent to a credit check, which will be used to verify their creditworthiness and determine their eligibility for the card. This may impact their credit score, so it's essential to only apply for credit when necessary.
Once the application is submitted, TD will review it and make a decision on whether to approve or decline the applicant. If approved, the card will be mailed to the applicant, and they can begin using it to make purchases and earn cash back rewards.
- Go to the TD website and click on the "Apply Now" button
- Fill out the online application form with your personal and financial information
- Consent to a credit check and review the terms and conditions of the card
- Submit the application and wait for a decision from TD
FAQ
What is the welcome bonus for the TD Cash Back Visa Infinite?
The welcome bonus for the TD Cash Back Visa Infinite is 10% cash back on all purchases made in the first three months, with no limit on the amount of cash back that can be earned during this period.
How do I earn cash back rewards with the TD Cash Back Visa Infinite?
You can earn cash back rewards with the TD Cash Back Visa Infinite by making purchases on the card. The card offers 3% cash back on groceries, gas, and recurring payments, and 1% cash back on all other purchases.
What is the annual fee for the TD Cash Back Visa Infinite?
The annual fee for the TD Cash Back Visa Infinite is $139.
Do I need a good credit score to be approved for the TD Cash Back Visa Infinite?
Yes, TD typically looks for a credit score of 660 or higher to approve applicants for the TD Cash Back Visa Infinite. However, the card's eligibility criteria may vary depending on the applicant's individual circumstances.
Can I use the TD Cash Back Visa Infinite to make purchases online or abroad?
Yes, the TD Cash Back Visa Infinite can be used to make purchases online or abroad, wherever Visa is accepted. However, cardholders should be aware that foreign transaction fees may apply to purchases made in foreign currencies.
Not financial advice. Rates and offers change. Read provider terms.
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BGR's editorial team evaluates every Canadian credit card using a 7-factor scoring model aligned with FCAC guidelines.
Data sources: FCAC, CMHC, issuer websites, Equifax Canada, TransUnion Canada. Last audit: June 2026.