TD Cash Back Visa Infinite Card: features and benefits
Earn flexible rewards and travel benefits on daily spending.
The TD Cash Back Visa Infinite Card is a premium Canadian rewards credit card.
It stands out for its strong cashback program, travel perks, and extensive purchase protections, all provided by one of Canada’s largest financial institutions.
With flexible earning categories and broad benefits, this Visa card is tailored for Canadians seeking value and security from everyday purchases.
Why choose TD Cash Back Visa Infinite Card
This card offers high cash back rates on everyday purchases such as groceries, gas, public transit, bill payments, and streaming services.
TD, the issuer, is a well-established Canadian bank known for reliability and comprehensive customer support.
Applicants benefit from a welcome offer including up to $600 in value, a first-year annual fee rebate, and an introductory 10% cash back on eligible categories, subject to spending limits and terms.
Bonus eligible purchases for the welcome offer include grocery, gas, electric vehicle charging, public transit, recurring bill payments, and streaming or digital gaming media.
Protection and security
The TD Cash Back Visa Infinite Card comes with coverage such as emergency travel medical insurance and mobile device insurance.
Cardholders receive complimentary Deluxe TD Auto Club membership, providing 24/7 roadside assistance across Canada.
Security features include fraud protection, transaction monitoring, and the ability to manage card controls through the TD app.
Emergency travel medical insurance provides up to $2 million in coverage for eligible trips outside your province or territory.
How the credit works
This card carries an annual fee of $139 for the primary cardholder, with a first-year rebate if you meet activation and purchase conditions.
An additional cardholder fee of $50 applies, also with possible first-year rebate when eligible.
Interest rates are 21.99% on purchases and 22.99% on cash advances; fees for cash advances and foreign currency apply.
Eligible applicants must have a personal annual income of at least $60,000 or a household income of $100,000, be a Canadian resident, and meet TD’s credit requirements.
Applicants must also be at least the age of majority in their province or territory of residence to qualify.
Daily use and digital features
Earn 3% cash back on eligible categories and 1% on other purchases, with no minimum required for redemption as long as your account is open and in good standing.
Access digital card controls, transaction alerts, and payment management with the TD app, supporting multiple payment platforms.
Cash Back Dollars can be redeemed against your account balance at any time and do not expire while your account is open and in good standing.
Additional perks include Visa Infinite privileges such as travel, dining, and hotel benefits, as well as merchant discounts through TD and participating partners.
For full details on eligibility, application steps, and maximizing your cash back, see the complete guide to applying below.
