TD Cash Back Visa Infinite Card

August 16, 2026

Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TD Cash Back Visa Infinite Card

TD Canada TrustCash Back Card

TD Cash Back Visa Infinite Card

Our take: strongest for groceries and gas — about 3% back in value (est.) for $139 a year, plus a welcome bonus we value at roughly $600.

#2 Sign-up bonus #4 Everyday spending #2 Cash back

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

Apply on TD’s site →

Goes straight to TD
Our review

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.

4.4out of 5

MoneyMint rating

#2 of 9 cash-back cards · How we rate

Rewards value

4/10

Insurance

10/10

Flexibility

10/10

Welcome bonus

9/10

Fee value

10/10

Perks

6/10

≈ $833

estimated first-year value after the annual fee, on a typical $2,050/month budget. See it for your spending →

At a Glance

Annual fee

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

Foreign transaction fee

2.5%disclosed only in the rates/fees PDF

Income requirement

$60,000 personalor $100,000 household

Suggested credit profile

Good to excellenteditorial estimate — no minimum score published

Rewards

~3%on groceries (est. value)

Purchase APR 20.99%–21.99% · Cash advance APR 22.99%

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 minimum cash-back redemption amount (’ 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

Not Sure? Three Cards People Compare It With

All everyday spending cards →

RBC ION+ Visa

RBC ION+ Visa

Pick this instead if you want a lower annual fee ($48).

Fee $48Rating 2.7 ★Bonus $200

Neo World Elite Mastercard

Neo World Elite Mastercard

Pick this instead if most of your spending is groceries (~5% est.).

Fee $149Rating 3.5 ★

Scotia Momentum Visa Infinite + Card

Scotia Momentum Visa Infinite + Card

Pick this instead if most of your spending is groceries (~4% est.).

Fee $120Rating 4.1 ★Bonus $300

Further Reading

4.4MoneyMint rating

TD Cash Back Visa Infinite Card

Best for groceries and gas · $139/year · ~$600 welcome bonus (est.)

Apply on TD’s site →Find a better fit

J

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against TD’s official card page on September 25, 2026. Key figures were re-checked on September 25, 2026. How we rate cards →

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.

Frequently Asked Questions

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

The TD Cash Back Visa Infinite Card has an annual fee of $139/year for the primary cardholder; $50/year for the first additional cardholder; $0 for subsequent additional cardholders.

What is the rewards rate on the TD Cash Back Visa Infinite Card?

The TD Cash Back Visa Infinite Card offers: 3% cash back on groceries, gas & EV charging, public transit, recurring bill (pre-authorized) payments, and streaming/digital gaming & media purchases, each capped separately at $15,000 in purchases per year (1% applies to spend in that category beyond the cap); 1% cash back on all other purchases. Redemption value is a fixed 1 Cash Back Dollar = $1; Cash Back Dollars never expire while the account remains open and in good standing.

Does the TD Cash Back Visa Infinite Card have a welcome bonus?

Up to $600 in total value: 10% Cash Back Dollars in the 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 Cardholder and first Additional Cardholder. Not available to customers who have activated and/or closed a TD Cash Back Visa Infinite account in the last 12 months. No fixed expiry date found. TD’s only dated reference is “Effective as of April 30, 2025, Account must be approved, open and in Good Standing while this offer is in effect.” TD’s page still showed this offer on September 25, 2026, with no end date.

What credit score do I need to qualify for the TD Cash Back Visa Infinite Card?

Generally, you’ll want a very good credit score to be considered for the TD Cash Back Visa Infinite Card. Approval also depends on income and overall credit history, not credit score alone.

Does the TD Cash Back Visa Infinite Card charge foreign transaction fees?

2.5% of the transaction amount, applied after Visa’s network currency conversion. Stated only in TD’s official rates/fees disclosure PDF, not on the consumer-facing marketing page.