TD Cash Back Visa Infinite Card
Cash Back Rewards

TD Cash Back Visa Infinite Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn up to $600 in total value, including 10% cash back in the first 3 months.
Annual Fee $0
$139 after first year
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $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%
Dining 1%
Gas 3%
Travel 3%
Recurring Bills 3%
Base Rate 1%
Rewards Summary: Grocery, Gas/EV, Transit, Recurring Bills & Streaming/Media: 3% cash back; All other purchases: 1% cash back.

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

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

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 & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$139
Supplementary Card Fee$50
Income Required Personal: $60,000
Household: $100,000
Recommended Credit Score—

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