TD Cash Back Visa Infinite Card

⭐ 3.3/5🏦 TD Canada TrustCash Back Card

TD Cash Back Visa Infinite Card

CREDIT CARD REVIEW

🎁 Up to $600 in total value, including 10% cash back in your first 3 months

MoneyMint Rating: 3.3/5 — based on our published rating criteria (rewards value, fees, flexibility, and eligibility transparency). Not sponsored by TD.

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The TD Cash Back Visa Infinite Card is a premium, fee-based cash back card built around five 3% earn categories — groceries, gas & EV charging, public transit, recurring bill payments, and streaming & digital gaming & media — with Cash Back Dollars that never expire and redeem at a fixed $1-for-$1 value. It’s a strong fit for households whose everyday spending clusters in those categories, but a few of TD’s own published numbers for this card don’t agree with each other, so it’s worth confirming the exact terms directly with TD before applying.

At a Glance

Annual fee

$139/yr$50/yr for first additional card; later cards free

Purchase APR

20.99%–21.99%TD’s own sources disagree — see note below

Cash advance APR

22.99%also applies to balance transfers & TD Visa Cheques

Cash back rate

Up to 3%5 categories, each capped at $15,000/year

Foreign transaction fee

2.5%disclosed only in the rates/fees PDF

Rewards currency

Cash Back Dollars$1 = $1, never expire

Income requirement

$60,000 personalor $100,000 household

Suggested credit profile

Good to excellenteditorial estimate — no minimum score published

Issuer

TD Canada TrustVisa Infinite network

Pros & Cons

Pros

  • 3% cash back across five common categories: groceries, gas & EV charging, transit, recurring bills, and streaming
  • Cash Back Dollars redeem at a fixed $1 = $1 value and never expire while the account stays open and in good standing
  • Each 3% category gets its own $15,000 annual cap — five separate caps, not one combined limit
  • Strong Visa Infinite travel insurance package, including up to $2 million in emergency medical coverage
  • Complimentary 24/7 Visa Infinite Concierge and free Deluxe TD Auto Club roadside assistance

Cons

  • $139 annual fee, plus $50 for the first supplementary card
  • Base rate outside the five bonus categories is just 1%, with no travel-point redemption flexibility
  • TD’s own pages disagree on the purchase APR (20.99% vs. 21.99%) and the minimum cash-back redemption amount ($1 vs. $25)
  • Relatively high income bar ($60K personal / $100K household) narrows who can realistically qualify
  • No official minimum credit score published, so eligibility isn’t fully transparent

Rewards & Earn Rates

🛒 Groceries

capped at $15,000/year in this category; 1% after the cap

3%
⛽ Gas & EV charging

capped at $15,000/year in this category; 1% after the cap

3%
🚌 Public transit

capped at $15,000/year in this category; 1% after the cap

3%
🧾 Recurring bill payments (pre-authorized)

capped at $15,000/year in this category; 1% after the cap

3%
📺 Streaming & digital gaming/media

capped at $15,000/year in this category; 1% after the cap

3%
💳 Everything else
1%
Welcome bonus: Earn up to $600 in total value — 10% Cash Back Dollars in your first 3 months on up to $3,500 in bonus-eligible purchases (up to $350 in bonus cash back), plus a first-year annual fee rebate for the primary and first additional cardholder. TD’s offer terms show only an “effective as of April 30, 2025” date with no stated expiry — that may mean the offer has simply run unchanged for over a year, or that the page content used for this review is stale. Confirm the current offer directly on TD’s live page before applying.

Note: TD’s live Welcome Guide webpage states a $1 minimum for anytime Cash Back Dollar redemptions, while two official PDFs (the Welcome Guide PDF and the Cash Back Program Terms and Conditions) state a $25 minimum. This hasn’t been resolved — confirm the current minimum with TD before planning a small redemption.

Perks & Benefits

Travel & purchase coverage

  • Travel medical insurance up to $2 million, 10 days per trip for cardholders under 65 (4 days for 65+)
  • Delayed and lost baggage insurance up to $1,000 per covered person per trip
  • Auto rental collision/loss damage insurance when the rental is paid in full with the card, up to 48 consecutive days
  • Mobile device insurance up to $1,000 for loss, theft, damage, or mechanical breakdown
  • Purchase security and extended warranty: 90-day purchase protection, warranty extended up to 12 additional months

Lifestyle perks

  • Complimentary 24/7 Visa Infinite Concierge service
  • Free Deluxe TD Auto Club Membership with 24-hour emergency roadside assistance
  • Avis/Budget rental discounts — at least 10% in Canada/U.S., at least 5% internationally
  • Visa Infinite Luxury Hotel Collection, Dining Series, Entertainment Access, and Troon Golf (Silver status)
  • Up to three additional/supplementary cardholders, with no separate credit approval required

Worth knowing

  • The optional TD Credit Card Payment Protection Plan costs extra and isn’t included by default
  • Trip cancellation/interruption insurance doesn’t appear in TD’s published benefits list for this card — don’t assume it’s covered without confirming directly with TD

Who It’s For

Best for

  • Households whose spending regularly hits groceries, gas, transit, recurring bills, and streaming
  • Cardholders who want cash back as a simple, fixed dollar value instead of travel points
  • Applicants who meet the $60K personal / $100K household income minimum and value a premium travel insurance package

Not ideal for

  • Spending that falls mostly outside the five bonus categories, where it earns just 1%
  • Anyone who wants a lower-cost or no-fee cash back card
  • Anyone who carries a balance, given the cash-advance-level APR on balance transfers and no distinct promotional balance-transfer rate
IssuerTD Canada Trust
Annual fee$139/yr
Welcome bonusUp to $600 in value
Foreign transaction fee2.5%

See official card details →

This link goes directly to TD’s official page. MoneyMint doesn’t currently have a paid partnership for this card, so this isn’t a monetized recommendation.

Key Drawbacks to Know Before Applying

Two of TD’s own official sources disagree on this card’s numbers. TD’s marketing pages list a 21.99% purchase APR, but the official rates and fees disclosure document states 20.99% — confirm your actual rate directly with TD before carrying a balance. Separately, the live Welcome Guide webpage says the minimum cash-back redemption is $1, while two official PDFs (the Welcome Guide PDF and the Cash Back Program Terms and Conditions) say $25 — confirm which applies before planning a redemption. The welcome offer’s only dated reference is “effective as of April 30, 2025,” with no stated end date, which may simply mean the offer has run unchanged for over a year, or that this page’s content is stale — check TD’s live page before applying. On the numbers that are clear: the $139 annual fee, plus $50 for a first supplementary card, is on the higher end for a cash back card, and each 3% category is capped separately at $15,000 in annual spend, so high spenders in a single category drop to 1% after that. TD also doesn’t publish a minimum credit score, so eligibility beyond the income thresholds isn’t fully transparent, and trip cancellation/interruption insurance isn’t listed among this card’s confirmed benefits.

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.