$350 cash back
Apply Now†Terms and conditions apply.
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.
$350
First-year value
$350
cash back
$139
Annual fee
First Year Rebate
Based on the minimum spend required to earn the full welcome bonus.
10% cash back on first $3,500 spent in the first 90 days
Streaming, Groceries, Gas, EV Charging, Bills & Transit
Everything Else
Last updated: March 2, 2026
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.
| Tier | Amount | Requirement |
|---|---|---|
| Bonus earn rate | $350 | 10% cash back on first $3,500 spent in the first 90 days |
Annual Fee
$139
First Year Free
Yes
Additional Card
$50/year
TD rebates the first-year annual fee – but only if you activate and make at least one purchase within 90 days of account opening. That's a surprisingly restrictive condition compared to most issuers, who apply first-year waivers automatically.
The welcome bonus is competitive among no-foreign-transaction-fee cash back cards in Canada. For travellers who spend heavily in foreign currencies, the combination of upfront cash and no FX fees delivers better net value than a travel card with a higher point haul but 2.5% currency conversion drag.
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
†Terms and conditions apply.
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.
$350 cash back
Apply Now†Terms and conditions apply.
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.
Last updated: March 2, 2026
| Category | Rate |
|---|---|
| Streaming | 3% |
| Groceries | 3% |
| Gas | 3% |
| EV Charging | 3% |
| Bills | 3% |
| Transit | 3% |
| Everything Else | 1% |
The 3% rate across grocery, gas, streaming, bills, and transit covers a wide range of everyday spending – but the $15,000 annual cap across all bonus categories combined means most households will hit the ceiling within a few months. After that, you're earning 1% on everything, which makes this a weak long-term earner unless you rotate it strategically or pair it with an uncapped option.
The inclusion of recurring bills and transit is the differentiator here – categories often excluded from other bonus structures. If you're paying for cell plans, internet, gym memberships, and monthly transit passes, those expenses earn at the elevated rate without changing your behaviour, making this card useful as a targeted supplement rather than a primary earner.
Cash back redemptions are straightforward – direct deposit to your TD account, statement credit, or transfer to TD investments, all at a fixed one-cent-per-dollar value. No award charts, no devaluations, no decision paralysis.
The simplicity means you sacrifice potential upside. Strategic points transfers can deliver 2–3 cents per point on premium flights, but cash back gives you predictable value whether you're booking travel or offsetting groceries.
Complimentary Deluxe TD Auto Club membership (~$89 value)
GeneralTroon Rewards Silver (10% off at 95+ golf courses)
GeneralThe Deluxe TD Auto Club Membership functions as a rebranded AAA plan covering towing, battery boosts, lockouts, and fuel delivery across Canada and the US – including rental cars you're driving. If you currently pay for CAA or similar coverage, this perk alone can offset the annual fee.
Beyond roadside assistance, this card offers no travel perks whatsoever – no lounge access, no travel credits, no hotel or airline benefits. You're choosing this card strictly for cash back earning, not lifestyle benefits.
Underwritten by TD Life Insurance Company
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $2,000,000 | 10 days, 4 days (65+), Primary Cardholder, Spouse, Dependent Children, and Additional Cardholders who meet eligibility requirements (must be Canadian residents covered under GHIP or Canadian Armed Forces health plan) |
| Trip Cancellation | Not included | – |
| Trip Interruption | Not included | – |
| Trip Delay | Not included | – |
| Baggage Delay | $1,000 | 6-hour minimum |
| Baggage Loss | $1,000/person | – |
| Rental Car | Included | Primary CDW, MSRP ≤ $65,000, up to 48 days |
| Purchase Protection | Included | 90-day coverage |
| Extended Warranty | +1 year | – |
| Mobile Device | Included | $1,000/claim |
Pre-Existing Conditions
90-day stability period required (180 days for 65+)
View Certificate of Insurance (PDF)
Primary rental car coverage is valuable – it pays first without touching your auto insurance – but the $65,000 MSRP cap excludes luxury vehicles. Emergency medical coverage reaches $2 million, though serious U.S. incidents can exceed that, and age 65+ restrictions leave older travellers unprotected.
The 90-day pre-existing condition stability period is strict and industry-standard. Healthy travellers under 65 have baseline protection; beyond that profile, supplemental policies become essential.
85,000 Aeroplan points
