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TD Cash Back Visa Infinite Card
cash-back4.1 / 5

TD Cash Back Visa Infinite Card

TD

Best for

Drivers and households with big grocery, gas and bill spend who want simple cash back plus roadside assistance.

Apply on TD
Annual fee
$139
FX fee
2.5%
Purchase APR
21.99%
Income req.
$60,000 personal / $100,000 household
Recommended credit score
725+
Approval difficulty
Hard approval

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 — just 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

~$489 value

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
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.
Written by
The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD Cash Back Visa Infinite Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-cash-back-visa-infinite, updated June 2026.

Sources
  • TD cardholder agreement and rates & fees disclosure
  • VaultNerd cards database