TD Cash Back Visa Infinite Review 2025: Is It Worth It?
The TD Cash Back Visa Infinite* Card is a cash-back credit card that earns 1% or 3% on eligible purchases (even more if you take advantage of its generous intro offer).
View details
TD Cash Back Visa Infinite full review
The TD Cash Back Visa Infinite is one of two personal cash-back cards offered by Toronto-Dominion Bank and its subsidiaries, also known as TD Bank Group. The card offers up to 3% cash back on eligible purchases, but the annual fee and income requirements may be too high for some shoppers.
Benefits of the TD Cash Back Visa Infinite card
Cash back that never expires.
Round-the-clock roadside assistance, courtesy of a free Deluxe TD Auto Club Membership.
Car rental discounts through Avis and Budget.
Visa Infinite perks, including 24-hour access to the Visa Infinite Concierge service team, complimentary wine tasting at participating wineries and discounts at eligible golf courses.
Travel insurance, including medical and lost/delayed baggage coverage.
Drawbacks of the TD Cash Back Visa Infinite card
$15,000 annual spending caps apply to each of the following 3% cash-back categories:
Groceries.
Gas and electric vehicle charging.
Public transit.
Recurring bill payments, streaming, digital gaming and media purchases.
Once you spend more than $15,000 annually in any of these categories, the card’s cash-back earn rate drops from 3% to 1%.
Who should get the TD Cash Back Visa Infinite card?
The TD Cash Back Visa Infinite offers an accelerated earn rate on groceries, gas, electric vehicle charging, transit, streaming, digital gaming, media purchases and recurring bill payments. Therefore, those with sizable grocery bills, multi-vehicle households, commuters and digital content consumers will be able to make the most of this credit card’s cash-back rewards program.
Additionally, anyone who likes to use their credit card for recurring bills will benefit — as long as they commit to paying off the statement balance in full. Eligible recurring bills might include monthly insurance premiums, streaming subscriptions, membership fees or internet service. Keep in mind that using your credit card to pay bills may incur additional fees, which can offset the benefits of earning cash back.
Is TD Cash Back Visa Infinite worth it?
It depends on your spending habits. Ideally, you want to get more than you give when you have a credit card. After the first year, the TD Cash Back Visa Infinite’s annual fee is $139. To recoup that cost by earning cash back, you’d need to spend at least $4,634 in the highest-rewarded spending categories in one year (about $386 monthly).
TD Bank customer ratings
Below average in customer satisfaction: TD Canada Trust ranks 9th for overall customer satisfaction out of 14 issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study. The TD Cash Back Visa Infinite Card also ranked ninth out of 13 cards with an annual fee.
Low Trustpilot rating: TD Bank ranks 1.4 out of 5 possible stars based on over 2,700 customer reviews, as of this writing.
Low Better Business Bureau customer rating: TD Bank scored 1.3 out of 5 possible stars based on over 40 customer reviews, as of this writing. It has a BBB rating of D- and is not accredited.
TD Cash Back Visa Infinite eligibility
Who qualifies for the TD Cash Back Visa Infinite card?
To qualify for the TD Cash Back Visa Infinite card, you must:
Be a Canadian resident.
Be at least the age of majority for your province or territory.
Have a minimum annual income of $60,000 for an individual or $100,000 for a household.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. What we do know is that higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for.
Want to learn more? Our guide can help you figure out what credit score is typically needed for a credit card.
TD Cash Back Visa Infinite rewards
10% in Cash Back Dollars on eligible purchases in the first three months of card ownership, up to a total of $3,500.
Annual fee rebated for the first year of card ownership.
Offer effective as of April 30, 2025.
3% cash back on groceries.
3% cash back on gas and electric vehicle charging.
3% cash back on public transit.
3% cash back on recurring pre-authorized payments, streaming, digital gaming and media purchases.
1% cash back on all other purchases.
You could earn a potential $350 cash back with the welcome offer’s 10% accelerated cash back rate by spending $3,500 in eligible purchases in the first three months.
On top of that, enjoy:
$189 in annual fee rebates, available for both the primary cardholder ($139) and one additional cardholder ($50).
A 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership (a $89 value).
That’s a total value of around $600 — all within the first year of card membership.
TD Cash Back Visa Infinite vs TD Cash Back Visa
Both of these TD credit cards earn cash back, but eligibility criteria and earn rates vary.
Rewards breakdown
Rewards breakdown
NerdWallet's take
NerdWallet's take
Card details
Card details
Rewards breakdown
Rewards breakdownNerdWallet's take
NerdWallet's takeCard details
Card detailsReasons you might want a different card
There are other circumstances in which the TD Cash Back Visa Infinite simply won’t be a practical fit:
You don’t spend much in this card’s highest-rewarded spending categories.
You don’t meet the minimum income requirement.
You’d prefer to earn a different type of reward, such as travel points.
Options for earning travel points instead: The TD® Aeroplan® Visa Infinite* Card and TD® Aeroplan® Visa Infinite Privilege* Credit Card earn Aeroplan points on everyday spending, as well as elevated points in eligible categories. Points can be redeemed for flights, hotels, car rentals, gift cards and more.
TD Cash Back Visa Infinite Card facts
TD Cash Back Visa Infinite Card | |
|---|---|
Card type | |
Fees and interest rates | |
Annual fee | $139.00 |
Regular/purchase APR | 21.99%*. |
Cash advance APR | 22.99%*. |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Intro offer | Get around $600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Offer effective as of April 30, 2025. |
Reward earn rates | Earn 3% cash back on groceries, gas, electric vehicle charging, public transit, recurring bill payments, streaming, digital gaming, and media purchases. Earn 1% cash back on all other purchases. |
Other perks |
|
Insurance coverage | |
Travel medical | Up to $2,000,000. |
Lost or delayed baggage | Up to $1,000. |
Rental car theft/damage | For up to 48 days. |
Extended warranty | Up to 1 additional year. |
Purchase protection | 90 days. |
Mobile device protection | Up to $1,000. |
Methodology
BACK TO TOPDIVE EVEN DEEPER
Shannon Terrell
Shannon Terrell