Up to 10% cash back† 
$385 First-year value The TD Cash Back Visa Infinite* Card is a competitive all-around offering in terms of flagship cash back cards. This is a good go-to card for those who want to keep it simple, as it earns a flat 3% cash back on many common expenses.
Bonuses & Fees
The TD Cash Back Visa Infinite* Card is offering 10% cash back† on the first $3,500 of purchases in the first three months, equivalent to $350 cash back.† It’s important to point out that this elevated 10% cash back in the first three months only applies on eligible gas, electric vehicle charging, public transit, grocery, recurring bill payments, streaming, digital gaming, and media.†
The annual fee is $139, and is currently rebated for the first year.† Supplementary cards cost $50 for the first one, and $0 thereafter.†
Note that in order to receive the first-year annual fee rebate, you must activate your card and make your first purchase on the account within the first three months after account opening, and you must add additional cardholders on or after April 30, 2025.
Earning Rewards
The TD Cash Back Visa Infinite* Card earns 3% cash back† on groceries, gas, electric vehicle charging, recurring bill payments, streaming, digital gaming, and media† with an annual maximum of $15,000 in spending in each category.†
It earns 1% cash back on all other purchases.†
Redeeming Rewards
You can redeem your cash back dollars to pay down your account at any time with a minimum of $25†. Otherwise, you can set up your account to do this automatically each January with no minimum cash back amount.
Perks & Benefits
As a cardholder, you’ll automatically be enrolled in a free Deluxe TD Auto Club Membership.† You’ll get emergency road services anywhere in Canada and the continental US, including emergency service calls, lockout service, towing, winching, and personal transportation. You can read more about the TD Auto Club on TD’s website.†
You’ll also get the standard Visa Infinite* Concierge services†, which you can use to help make travel or lifestyle bookings.
Insurance Coverage
This card offers emergency medical insurance for 10 days for those under 65, and four days for those 65 and older for up to $2,000,000 per person.†
It also comes with baggage delay and loss insurance of $1,000 per person, as well as rental car insurance up to an MSRP of $65,000.†
Additionally, the TD Cash Back Visa Infinite* Card will double the manufacturer’s warranty up to one additional year, as well as provide 90 days of purchase protection.†
Plus, you’ll be covered by mobile device insurance, which offers up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown of eligible mobile devices.†