TD Cash Back Visa Infinite Card
Drivers and households with big grocery, gas and bill spend who want simple cash back plus roadside assistance.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
One of Canada's top cash back cards thanks to broad 3% categories and the included TD Auto Club membership, but make sure your spending justifies the fee.
Reward rates
Groceries | 3% |
Gas & EV charging | 3% |
Public transit | 3% |
Recurring bill payments | 3% |
Streaming, digital gaming & media | 3% |
All other purchases | 1% |
Welcome bonus
10% cash back on bonus-eligible purchases in the first 3 months (up to $3,500 spend, worth $350) plus a first-year annual fee rebate ($139); TD values the full offer at up to $600.
Requirement: 10% rate applies to the first $3,500 in bonus-eligible purchases within 3 months; first purchase within 3 months for the fee rebate
Pros
- Strong 3% earn across five everyday categories
- Free roadside assistance is a rare, genuinely useful perk
- Simple redemption toward your balance anytime
Cons
- $139 annual fee after year one
- Only 10 days of travel medical coverage
Perks
- Free Deluxe TD Auto Club membership (24/7 roadside assistance)
- Visa Infinite Concierge, Luxury Hotel Collection and Dining Series
- Minimum 10% off Avis and Budget car rentals in Canada/US
- Redeem cash back anytime toward your balance
- Cash Back Dollars never expire
Insurance
- Travel emergency medical (up to $2M, 10 days under age 65)
- Delayed and lost baggage (up to $1,000/person)
- Auto rental collision/loss damage
- Purchase security and extended warranty
- Mobile device insurance
- Emergency travel assistance services
Frequently asked questions
Is the TD Cash Back Visa Infinite Card worth it?
It charges a $139 annual fee, and we rate it 4.1 out of 5. It's best suited to drivers and households with big grocery, gas and bill spend who want simple cash back plus roadside assistance. The welcome bonus is worth roughly $489, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the TD Cash Back Visa Infinite Card earn?
It earns 3% on groceries, 3% on gas & ev charging and 3% on public transit.
What credit score do you need for the TD Cash Back Visa Infinite Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“TD Cash Back Visa Infinite Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/td-cash-back-visa-infinite, updated June 2026.
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