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TD Cash Back Visa Infinite* Card

Everything you need to know about the TD Cash Back Visa Infinite* Card, the flagship cash back credit card issued by TD.

Updated on: 2024-06-04

Application must be approved by January 6, 2025 to receive this offer
Signup bonus:

10% cash back† on the first $3,500 spent in the first three months† on eligible gas, grocery, and recurring bill payments set up on your account†

Annual fee:

$139 (rebated in the first year)†
$50 for additional cardholders†

Interest rates:

20.99% purchase
22.99% cash advance (20.99% in Quebec)
22.99% balance transfer (20.99% in Quebec)

Earning rate:

3% cash back† on eligible groceries, gas, and recurring bill payments set up on your account†
1% cash back† on all other purchases†

Perks & benefits:

Deluxe TD Auto Club Membership†

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 groceries, gas, and recurring bill payments set up on your account.

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, grocery, and recurring bill payments set up on your account. 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 by January 7, 2025.

Earning Rewards

The TD Cash Back Visa Infinite* Card earns 3% cash back on groceries, gas, and recurring bill payments set up on your account 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

† Terms and conditions apply.

† This offer is not available to residents of Quebec.

† The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

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 lost 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.

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