10% Cash back 
$290 First-year value The TD Cash Back Visa Infinite is a competitive all-around offering in terms of premier cash back cards, making it the go-to card for folks who just want to keep one cash back card in their wallet, due to the flat 3% cash back on groceries, gas, and recurring bill payments
Bonuses & Fees
The TD Cash Back Visa Infinite is offering 10% cash back on the first $2,000 of purchases in the first three months, equivalent to $200 cash back.
There’s also an extended welcome bonus, where you can continue earning 6% cash back on up to a total of $3,500 spent in gas, groceries, and pre-authorized payments. In total, you could earn up to $290 back.
The annual fee is $120, and is waived for the first year. Supplementary cards cost $50 for the first one, and $0 thereafter. As part of the welcome bonus, the first supplementary card will have the $50 waived in the first year.
Earning Rewards
The TD Cash Back Visa Infinite earns 3% cash back on groceries, gas, and recurring bill payments 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 cashback 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 cashback 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 4 days for those 65 and older. It also comes with baggage delay, lost/stolen baggage, and rental car insurance up to an MSRP of $65,000.
Additionally, the TD Cash Back Visa Infinite will double the manufacturer’s warranty up to one additional year as well as provide 90 days of purchase protection.