Pros
- ✓First Year Annual Fee Rebate ($139 annual fee rebated)
- ✓Welcome Bonus: $350
- ✓Up to 3x on Groceries
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
- ✗No airport lounge access despite fee
Our Review
With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:
- Grocery stores
- Gas, EV charging and public transit
- Recurring bills, streaming services, digital media and games
And 1% cash back on all other purchases.
It’s the best TD cash back credit card, especially for gas purchases.
With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!
Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.
Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.
Rewards
All Spending
1x
Cash Back pts per dollar
Groceries
3x
Gas
3x
Transit
3x
Recurring
3x
Streaming
3x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$568
$/yr
Estimated Value
$568
After Fees
+$568
1st Year Value
$918
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $2,000,000 / 10 days
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Concierge Service
24/7
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Earn up to $600 in total value†, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions Apply.
- Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
- Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership†.
- Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 1% in Cash Back Dollars on all other Purchases†.
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please – the choice is yours†!
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
FAQ
How many dollars back can I earn on my gas purchases with the TD Cash Back Visa Infinite* Card?
With the TD Cash Back Visa Infinite Card, you can earn up to 3% cash back on all your eligible gas purchases.
Are all gas purchases eligible for cash back?
Yes, all purchases of gasoline and electric charging made at participating service stations are eligible for discounts.
Are there any particular service stations that offer additional cash back with this card?
No, the cash back is the same for all gas purchases, regardless of the gas station.
How can I check the balance of my TD Visa Infinite Account?
You can check the balance of your TD Visa Infinite Account by logging into your account online on the official TD website or via the TD mobile application.
How can I get details of recent transactions on my card?
By logging on to your online account, you can view the history of transactions, such as gas purchases, and get details on each operation. You’ll also be able to see your cash back dollars.
What is the difference between my TD Visa Infinite Account balance and my Cash Back Dollars?
Your account balance represents the total amount you owe, while cash back dollars represent the amount you have earned in cash back from your eligible purchases.
How can I use my cash back dollars to pay my account balance?
You can use your Cash Back Dollars to pay off all or part of your balance by logging into your online account and following the Cash Back instructions. You must have a minimum of $25 cash back available to be credited to your TD Cash Back Visa Infinite* Card account (there is no minimum if you choose to use your cash back annually).
How can I contact TD Credit Card customer service?
You can contact TD Credit Card customer service by phone at the number on the back of your card.
Are there any fees associated with cash advances with the TD Cash Back Visa Infinite* Card?
Yes, fees may apply for cash advances. We recommend that you read the program terms and conditions for details.
What are the benefits of the TD Cash Back Visa Infinite* Card for those who spend a lot on recurring bills, groceries and gas?
The TD Cash Back Visa Infinite* Card offers attractive rewards for high spenders in these categories, including high cash rebates on these purchases.
What are the cash back earning rates with the TD Cash Back Visa Infinite* Card after the promotional period?
You’ll earn 3% cash back on eligible recurring bill payments, grocery and gas purchases, and 1% cash back on all other purchases.
Are there spending limits for these categories with the TD Cash Back Visa Infinite* Card?
Yes, these three categories each have an independent spending limit of $15,000 per year. Beyond this limit, you earn 1% cash back.
What are the additional benefits of travelling with the TD Cash Back Visa Infinite* Card?
The TD Cash Back Visa Infinite* Card offers travel medical insurance coverage, delayed or lost baggage coverage, and collision/loss insurance coverage for car rentals.
Are there any benefits to driving with the TD Cash Back Visa Infinite* Card?
Yes, the card includes emergency roadside assistance with TD Auto Club Deluxe membership. This coverage is comparable to a CAA plus membership.
What are the other benefits of the TD Cash Back Visa Infinite* Card?
You benefit from the 24/7 Visa concierge service, the Visa Infinite luxury hotel collection and the Visa Infinite gourmet series.
What are the income requirements to qualify for the TD Cash Back Visa Infinite* Card?
To be eligible for the TD Cash Back Visa Infinite* Card, you must have a personal annual income of at least $60,000.
Why is The TD Cash Back Visa Infinite* Card considered one of the best cash back cards in Canada?
With easy-to-redeem high cash rewards, roadside assistance, additional insurance and other benefits, it’s easy to see why The TD Cash Back Visa Infinite* Card is one of Canada’s best in its class.
What is the income requirement for a Visa Infinite Card?
To be eligible for the TD Cash Back Visa Infinite* Card, you must have a personal annual income of at least $60,000.
How to increase your TD limit?
To increase your TD Cash Back Visa Infinite* Card limit, you should contact TD customer service or visit a branch. They will evaluate your application based on your credit history, income and other factors.
How do I use TD Cash Back Dollars?
With the TD Cash Back Visa Infinite* Card, you can redeem your cash back dollars by logging into your TD online account. Once logged in, follow the instructions for redemption. Generally, you can use your cash back dollars to pay off part or all of your balance or for other available rewards. Note that there is usually a minimum amount for using Cash Back Dollars, e.g. $25.
Legal
†Terms and conditions apply.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.