TD Cash Back Visa Infinite* Card Review & Comprehensive Application Guide

The TD Cash Back Visa Infinite Card* is one of Canada’s most popular premium credit cards for everyday spending. Issued by TD Bank and running on the global Visa network, this card is built for pragmatic consumers who prefer straight cash back over complicated travel rewards or airline points.

Designed to maximize return on daily expenses, the card earns 3% cash back on groceries, gas, EV charging, and recurring bill payments, along with 1% on all other eligible purchases. To make the decision even easier, TD waives the CA$139 annual fee for the first year and offers a competitive welcome bonus of up to CA$600 in value (including 10% cash back for the first 3 months). Coupled with roadside assistance and essential travel protections, it stands out as a powerful primary credit card for individuals and families alike.

Comprehensive Benefits and Perks

While ultra-premium travel credit cards focus on airport lounges and flashy luxury perks, the TD Cash Back Visa Infinite Card* is built around immediate, high-value everyday utility. Its benefits directly lower your living costs and protect your primary purchases and travel.

• Accelerated Cash Back Rewards: Earn 3% cash back on eligible grocery purchases, gas and EV charging, and recurring bill payments (up to $15,000 annual spending cap per category). All other eligible everyday purchases earn a solid 1% cash back.
• First-Year Annual Fee Waiver: The primary cardholder’s standard CA$139 annual fee (plus the CA$50 fee for the first authorized user) is completely waived for the first 12 months, allowing you to test the card risk-free.
• Complimentary Deluxe TD Auto Club Membership: Cardholders receive free 24/7 roadside assistance across Canada and the U.S. This includes towing, battery boosts, tire changes, and fuel delivery—a standalone value of over CA$100 annually.
• Robust Insurance Package: Beyond standard protections, the card includes Mobile Device Insurance (up to $1,000 for loss, theft, or damage), Travel Medical Insurance (up to $2,000,000 for the first 10 days), Auto Rental Collision/Loss Damage Insurance, and coverage for Trip Interruption/Cancellation and Lost/Delayed Baggage.
• 21-Day Interest-Free Grace Period: Avoid interest charges on new purchases by paying your statement balance in full before the end of the standard 21-day grace period.

Prerequisites and Eligibility Requirements

As a premium credit card, the TD Cash Back Visa Infinite Card* maintains specific qualification criteria. To be eligible for approval, applicants must meet the following baseline requirements:

• Minimum Personal or Household Income: Applicants must have a minimum personal annual income of CA$60,000 or a minimum household annual income of CA$100,000.
• Residency Status: You must be a Canadian resident with a valid Canadian residential address and a Social Insurance Number (SIN).
• Age of Majority: Applicants must have reached the age of majority in their province or territory of residence (18 years old in AB, MB, ON, QC, SK, PE; 19 years old in BC, NB, NL, NS, NT, NU, YT).
• Credit Standing: While TD does not publish a strict minimum credit score threshold, premium Visa Infinite products typically require a good to excellent credit score (generally 660+ or higher) alongside a stable proof of income and employment.

Rewards and Earning Programs

The core appeal of the TD Cash Back Visa Infinite Card* is its high-earning, straightforward cash back structure. Instead of dealing with complex point conversions or blackout dates, cardholders earn real cash value directly applied to their account.

Accelerated Earning Categories (3% Cash Back)

You earn 3% cash back on three high-frequency spending categories:

• Groceries: Eligible supermarket and grocery store purchases.
• Gas & EV Charging: Service stations, gas purchases, and public EV charging stations.
• Recurring Bill Payments: Pre-authorized bill payments set up on your account (such as phone, internet, utility bills, and streaming subscriptions).

Note: The 3% rate applies to a maximum annual spend cap of CA$15,000 per category each calendar year. Once this limit is reached in a specific category, net purchases earn the standard 1% base rate.

Base Rate & Redemptions (1% Cash Back)

• Everyday Purchases: All other eligible transactions outside the accelerated categories earn a flat 1% cash back with no spending cap.
• Flexible Redemption: Cash Back Dollars can be redeemed at any time during the year to pay down your card balance (minimum redemption starting at CA$25), offering complete control over your rewards.

Welcome Bonus Offer

New cardholders can take advantage of a powerful introductory offer: earn 10% cash back for the first 3 months on all eligible purchases (capped at CA$3,500 total spending, yielding up to CA$350 in welcome cash back) alongside a first-year annual fee waiver (CA$139 value).

Initial Credit Limit Expectations

Understanding your starting purchasing power helps in managing your personal finances. While the maximum credit limit varies by individual, the TD Cash Back Visa Infinite Card* carries a mandated baseline minimum:

• Minimum Credit Limit: As a standard requirement for the Canadian Visa Infinite tier, this card comes with a guaranteed minimum credit limit of CA$5,000 upon approval.
• Maximum Credit Limit: TD does not disclose a fixed maximum credit limit upfront. Your actual credit line above the $5,000 threshold is determined during underwriting based on your personal income, credit score, existing debt service ratio, and overall credit history.
• Credit Limit Adjustments: Once approved, cardholders can request credit limit increases after establishing a strong payment history, or TD may offer proactive limit increases periodically.

Step-by-Step Application Process

Applying for the TD Cash Back Visa Infinite* Card is a streamlined process that can be completed securely through TD’s digital infrastructure. Follow these steps to submit your application:

1. Gather Your Information: Before beginning the application, ensure you have your personal details ready. This includes your full legal name, current residential address, contact information, Social Insurance Number (optional but recommended for accurate credit matching), and detailed employment and income information.
2. Access the Secure Portal: Navigate to the official TD application page. You can access the secure digital form by clicking the button below.
3. Complete the Application Form: Enter all requested personal, financial, and employment data into the secure online form. Ensure all information is accurate to prevent delays in processing.
4. Review the Cardholder Agreement: Carefully read the terms and conditions presented before submitting. Since specific details like the purchase APR, cash advance APR, and ongoing category rates are not disclosed by the issuer in standard promotional material, this is your vital opportunity to review the exact interest rates and fee structures that will apply to your account.
5. Submit and Await the Decision: After finalizing the form and consenting to the credit check, submit your application. You may receive an instant decision on your screen, or the issuer may require additional time for standard manual underwriting.

TAP TO ACCESS THE CARD PAGE

Pros and Cons

Evaluating the practical benefits and limitations of the TD Cash Back Visa Infinite Card* helps ensure it aligns with your everyday spending habits and financial strategy.

Pros:

• High Everyday Multipliers: Earn an impressive 3% cash back on three essential daily spending categories: groceries, gas/EV charging, and recurring bill payments.
• Generous Welcome Offer: Enjoy 10% cash back for the first 3 months (up to CA$350 back) plus a **first-year annual fee waiver** (CA$139 value) for the primary cardholder and first authorized user.
• Complimentary Roadside Assistance: Includes a free Deluxe TD Auto Club Membership (24/7 towing and emergency roadside service across Canada and the U.S.).
• Comprehensive Insurance Coverage: Provides robust protections, including Mobile Device Insurance (up to CA$1,000), Travel Medical Insurance (up to CA$2M), and Auto Rental Collision/Loss Damage coverage.
• Flexible Reward Redemptions: Cash Back Dollars can be redeemed at any time to pay down your account balance starting at just CA$25.

Cons:

• Income Qualification Threshold: Requires a higher minimum annual income of CA$60,000 personal or CA$100,000 household to qualify.
• Category Spending Caps: The 3% accelerated rate is capped at CA$15,000 in spending per category each calendar year (reverting to 1% thereafter).
• Ongoing Annual Fee: After the first-year waiver, cardholders must pay the standard CA$139 annual fee, which requires at least $4,634 in 3% spending categories annually to break even.
• Standard Foreign Exchange Fees: Charges the standard 2.5% foreign transaction fee on international purchases, making it less ideal for frequent foreign travel.
• No Airport Lounge Access: Lacks luxury travel perks such as complimentary lounge passes or airline status upgrades.

Fees and Tariffs

Clear financial planning requires understanding the exact costs of carrying the TD Cash Back Visa Infinite Card*. Below is the complete schedule of interest rates, annual fees, and standard service charges:

Interest Rates (APRs):

• Purchase APR: 21.99% per year.
• Cash Advances APR: 22.99% per year.
• Balance Transfers APR: 22.99% per year.

Annual Account Fees:

• Primary Cardholder Fee: CA$139.00 (waived for the first year with the welcome offer).
• First Additional Cardholder Fee: CA$50.00 (waived for the first year if added during the promotional period).
• Subsequent Additional Cardholders: CA$0.00 per year.

Standard Transaction & Administrative Fees:

• Foreign Transaction Fee: 2.50% added to transactions made in foreign currencies.
• Interest-Free Grace Period: 21 days on new purchases if the balance is paid in full each month.
• Dishonoured Payment / Returned Payment Fee: CA$48.00 per incident.
• Over-limit Fee: CA$29.00 per billing cycle.

(Note: Cardholders with a TD All-Inclusive Banking Plan can receive a full annual fee rebate for the primary cardholder every year.)

Customer Service and Support Channels

• 24/7 Toll-Free Phone Support (Canada & US): 1-866-222-3456
• Collect Phone Support (International/Travel): +1-508-620-1212
• TD Mobile Banking App: Available on iOS (App Store) and Android (Google Play) for 24/7 account management and tracking Cash Back Dollars.
• Online Banking (EasyWeb): Log in securely at easyweb.td.com for bill payments, e-Statements, and limit management.
• In-Person Branch Support: Visit any local TD Canada Trust branch for face-to-face assistance.
• TTY/TDD (For Hearing Impaired): 1-800-361-2629

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