Skip to content
Mr. Loonie
TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

8.2
Very good
Expert Score · 13 reviews How we score

Best for: Big grocery, gas and bill spenders who want high cash back and travel insurance

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$782
Every year after
$643

Ranked #46 of 176 for year one. See the list

See how we worked it out
Annual fee
$0 first year
Then $139 a year
Apply now on TD’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $400 or more a month on groceries, gas and transit?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 3% back on groceries, gas, transit and recurring bills
  • Good: No fee in the first year Then $139 a year.

Watch for

  • Watch for: $139 a year from year two You need about $400 a month on groceries, gas and transit to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

  • Groceries $288
    3% back $800 a month · $288 a year
  • Restaurants $30
    1% back $250 a month · $30 a year
  • Gas $90
    3% back $250 a month · $90 a year
  • Recurring bills $90
    3% back $250 a month · $90 a year
  • Travel $18
    1% back $150 a month · $18 a year
  • Everything else $78
    1% back $650 a month · $78 a year
  • Foreign currency $18
    1% back $150 a month · $18 a year
For you Year one Later years
Cash back you earn $612 $612
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $782 $643

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
3% back Up to $15,000 in spending per year (shared with other categories).
Gas
3% back Up to $15,000 in spending per year (shared with other categories). Including EV charging
Transit
3% back Up to $15,000 in spending per year (shared with other categories). On Recurring Bill Payments
Recurring bills
3% back Up to $15,000 in spending per year (shared with other categories).
Streaming
3% back Up to $15,000 in spending per year (shared with other categories). Streaming, digital gaming and media
Everything else (base rate)
1% back
  • 3% cash back on Streaming, Digital Gaming & Media Purchases
  • 3% cash back on Public Transit Purchases

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.2
Very good
Expert Score How we score
  • NerdWallet (opens in a new tab) Jan 2026
    10

    “This card offers a good selection of perks, such as travel insurance, rental car discounts and free roadside assistance. Plus, you can earn 3% on a range of everyday purchases — from groceries to digital gaming. But the insurance offerings are limited and the 3% earn rate is capped at $15,000 a year.”

  • Forbes (opens in a new tab) Jan 2024
    6.6

    “Overall, it’s a solid, well thought out card that comes with other “nice to have” features along with the cash back, like emergency medical insurance and car rental discounts. For most consumers, it’s well worth the $139 annual fee, which is free for the first year and is otherwise easily recouped in the annual value of your cash back rewards.”

  • Rewards Canada (opens in a new tab) Oct 2023

    “The TD Cash Back Visa Infinite Card may not garner as much attention as some other cards in the market but it is definitely one of the better cash back options that should be given consideration. The valuable welcome bonus offer coupled with decent accelerated earn rates and the ability to cash out anytime your balance hits $25 make it an excellent choice for a cash back card in your wallet. It doesn't hurt that it has some travel insurance coverage, Visa Infinite benefits and most notably the Deluxe Auto Club membership either.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “TD Cash Back Visa Infinite Card is a personal credit card targeted toward middle-income earners in Canada. With a bonus cash-back rate of at least 10% on your first $2,000 spent within the first three months, the card is excellent for accumulating cash-back rewards in the first few months of ownership. The card also offers a rebate on the first-year annual fee if you meet the qualification requirements, making it easy to recoup the yearly cost of $139 for the first year. It also has several travel perks, making it an excellent travel option.”

  • Hardbacon (opens in a new tab) Sep 2022
    8.2

    “The annual fee is reasonable and the cash back has no real limit. TD Cash Back Visa Infinite* seems to understand that inflation is soaring and that extending the eligible amounts for 3% cash back on groceries, gas, and recurring bills is an act of kindness. Extending the Welcome Offer to specifically target food bills, as well as unpredictable gas prices, is something most cards don’t address. TD also understands how Canadians treat themselves. Yes, travel is great, but for a lot of people, Starbucks is an everyday splurge. It is like TD tapped into a need for immediate gratification. In all, the TD Cash Back Visa Infinite* is a solid Visa card with a strong cash back program and the required insurances to make the card attractive.”

  • SAVVY New Canadians (opens in a new tab) Sep 2022

    “The TD Cash Back Visa Infinite ranks well among cash back credit cards, however, it does not top the list. When you combine the 3% cash back rewards on groceries, gas, and recurring bill payments offered by the TD Cash Back Visa Infinite and its complimentary roadside assistance and travel benefits, it does pay off the annual fee even for light spenders.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $2,000,000 per person
  • Baggage delay Included
  • Lost baggage Included
  • Mobile device $1,000 per device
  • Delayed and Lost Baggage Insurance
  • Mobile Device Insurance
  • 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership
  • Mobile wallets Apple Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: trip cancellation, trip interruption and flight delay.

Fees and interest

What it costs

Annual fee
$0 first year Then $139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $139 off (Waived on the first year.)
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $782 year one, $643 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD Cash Back Visa Infinite Card?

$0 the first year, then $139 a year. Each extra card costs $50.

What income do I need?

TD asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, delayed and lost baggage insurance and mobile device insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$782
year one for you
Apply now on TD’s site (opens in a new tab)
Compare
Compare is full