Cash Back
Rewards
TD Cash Back Visa Infinite Card
TD Canada Trust
Current Welcome Offer
Earn up to $600 in total value, including 10% cash back in the first 3 months.
Annual Fee
$139
$0
1st Year Free
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$600
RateBuddy Verdict
The Good
- Industry-leading 3% cash back on a wide variety of daily essentials including groceries, gas, transit, and recurring bills.
- Includes a free Deluxe TD Auto Club membership, providing 24/7 roadside assistance across North America.
- Highly flexible redemption allows you to apply your cash back to your balance at any time throughout the year.
The Trade-offs
- Requires a high minimum annual income of $60,000 (personal) or $100,000 (household) to qualify.
- While it offers travel medical coverage, the 10-day limit is shorter than many other premium travel-focused cards.
- Sit-down restaurant dining only earns the base 1% rate, unlike many competitors that offer dining multipliers.
Rewards & Earnings
Groceries 3.00%
Dining & Takeout 1.00%
Gas & Transit 3.00%
Travel 3.00%
Base Rate 1.00%
Rewards Summary: Grocery, Gas/EV, Transit, Recurring Bills & Streaming/Media: 3% cash back; All other purchases: 1% cash back.
- Grocery, Gas & EV Charging, and Public Transit: 3%
- Recurring Bill Payments, Streaming, Digital Gaming & Media: 3%
- All other eligible purchases: 1%
Welcome Bonus Details
Earn 10% cash back on Grocery, Gas/EV, Transit, Recurring Bills, and Streaming/Media for the first 3 months (up to $3,500 spend). Includes a first-year annual fee rebate.
Estimated Value: $600.00
Features & Benefits
Travel Medical Insurance
Up to $2 million (10 days for age <65; 4 days for age 65+)
First-Year Fee Waived
First-year annual fee rebate for primary and first supplementary card
Mobile Device Insurance
Up to $1,000 coverage
Car Rental Collision/Loss Damage Waiver
Collision/Loss Damage coverage included
Extended Warranty Insurance
Included
Purchase Security Insurance
Included
Roadside Assistance
Free Deluxe TD Auto Club membership included
Concierge Service
24/7 complimentary concierge service
Baggage Delay/Loss Insurance
Up to $1,000 for delayed or lost baggage
Special Event Access (e.g., Front Of The Line)
Visa Infinite Dining Series and Entertainment access
Additional Perks
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Insurance Coverage
Travel Medical: $2M (10 days under 65); Baggage Delay/Loss: $1,000; Auto Rental Collision: Included; Mobile Device: $1,000; Purchase Security & Extended Warranty: Included.
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $139 |
| Supplementary Card | $50.00 |
| Income Required |
Personal: $60,000 Household: $100,000 |