TD Cash Back Visa Infinite Review 2026: 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).
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Cash back on all purchases for the first 3 months†.
Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
Cash Back Dollars on all other Purchases.†
This card offers a good selection of perks, such as travel insurance, rental car discounts and free roadside assistance. Plus, you can earn 3% on a range of everyday purchases — from groceries to digital gaming. But the insurance offerings are limited and the 3% earn rate is capped at $15,000 a year. Best for: Occasional travellers who want to earn accelerated cash back across multiple categories.
Pros
- Medical, baggage and car rental coverage.
- Free Deluxe TD Auto Club Membership.
- Solid 3% earn rate on everyday categories.
Cons
- Higher than average $139 annual fee for a cash-back card.
- 3% earn rate is capped at $15,000 per year.
- Earn up to $600 in value†, includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions apply.
- 24/7 Emergency Roadside Assistance with Free Deluxe TD Auto Club membership†.
- Get an annual fee rebate for the first year†.
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 1% Cash Back Dollars on all other Purchases.†
- Redeem your Cash Back Dollars to help pay down your Account balance whenever you please - the choice is yours!†
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Travel Medical Insurance† - Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- Delayed and Lost Baggage Insurance† - Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
- Emergency Travel Assistance Services† - Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
- Complimentary Visa Infinite* Concierge†: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.
- Emergency Road Services with Deluxe TD Auto Club Membership† is included with the product.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for 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.
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 may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
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 breakdownCash back on all purchases for the first 3 months†.
Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
Cash Back Dollars on all other Purchases.†
NerdWallet's take
NerdWallet's takeThis card offers a good selection of perks, such as travel insurance, rental car discounts and free roadside assistance. Plus, you can earn 3% on a range of everyday purchases — from groceries to digital gaming. But the insurance offerings are limited and the 3% earn rate is capped at $15,000 a year. Best for: Occasional travellers who want to earn accelerated cash back across multiple categories.
Pros
- Medical, baggage and car rental coverage.
- Free Deluxe TD Auto Club Membership.
- Solid 3% earn rate on everyday categories.
Cons
- Higher than average $139 annual fee for a cash-back card.
- 3% earn rate is capped at $15,000 per year.
Card details
Card details- Earn up to $600 in value†, includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions apply.
- 24/7 Emergency Roadside Assistance with Free Deluxe TD Auto Club membership†.
- Get an annual fee rebate for the first year†.
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 1% Cash Back Dollars on all other Purchases.†
- Redeem your Cash Back Dollars to help pay down your Account balance whenever you please - the choice is yours!†
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Travel Medical Insurance† - Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- Delayed and Lost Baggage Insurance† - Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
- Emergency Travel Assistance Services† - Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
- Complimentary Visa Infinite* Concierge†: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.
- Emergency Road Services with Deluxe TD Auto Club Membership† is included with the product.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for 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.
Rewards breakdown
Rewards breakdownIn Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
In Cash Back Dollars on all other Purchases made with your Card†.
NerdWallet's take
NerdWallet's takeThis no-fee card is a solid pick for anyone seeking a no-frills way to get a little back on everything they spend. The cash-back rates won’t blow you out of the water, but for a free-to-carry card, the TD Cash Back Visa delivers its own flavour of simple, uncomplicated value. Best for: First-time or budget-focused cardholders who want to earn cash back.
Pros
- No annual fee.
- Discounts of at least 5%-10% on Avis and Budget rentals.
- Cash back on all purchases.
Cons
- Low 0.5% base cash-back rate.
Card details
Card details- Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates† in Canada and the U.S., and a minimum of 5% off the lowest available base rates† internationally, on qualifying car rentals at participating Avis and Budget locations.
- Option to purchase TD Auto Club Membership† and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
- Purchase Security and Extended Warranty Protection†: You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.
- Eligibility is restricted to Canadian residents who are the age of majority in their province/territory of residence.
- †Terms and conditions apply.
- This offer is not available for 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.
Reasons 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 may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. |
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
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Shannon Terrell
Shannon Terrell