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TD Cash Back Visa Infinite Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
Interest Rate: Purchases
Balance Transfer
Balance Transfer
1 - 3% cashback
1 - 3% cashback
Signup Bonus
Signup Bonus

Informr score
The TD Cash Back Visa Infinite Card currently has an Informr score of 6.9 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?

TD Cash Back Visa Infinite Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be at least 18 years of age (AB, MB, ON, PE, QA, SK). 19 in all other provinces.
Yes Be a permanent or temporary resident of Canada
Yes Have a minimum personal income of $60000.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Overall, it’s a solid, well thought out card that comes with other “nice to have” features along with the cash back, like emergency medical insurance and car rental discounts. For most consumers, it’s well worth the $139 annual fee, which is free for the first year and is otherwise easily recouped i...

- Rachel Cribby, Aaron Broverman, Forbes
Rewards Canada
Rewards Canada

The TD Cash Back Visa Infinite Card may not garner as much attention as some other cards in the market but it is definitely one of the better cash back options that should be given consideration. The valuable welcome bonus offer coupled with decent accelerated earn rates and the ability to cash out...

- Rewards Canada
Yore Oyster
Yore Oyster

TD Cash Back Visa Infinite Card is a personal credit card targeted toward middle-income earners in Canada. With a bonus cash-back rate of at least 10% on your first $2,000 spent within the first three months, the card is excellent for accumulating cash-back rewards in the first few months of ownersh...

- Victor, Yore Oyster

The TD Cash Back Visa Infinite Card is a smart card for families who spend a lot on gas, groceries and automatic monthly purchases.

- Shannon Terrell, NerdWallet

The annual fee is reasonable and the cash back has no real limit. TD Cash Back Visa Infinite* seems to understand that inflation is soaring and that extending the eligible amounts for 3% cash back on groceries, gas, and recurring bills is an act of kindness. Extending the Welcome Offer to specifical...

- Stefani Balinsky, Hardbacon


Interest Rates
Regular APR Interest Rate 20.99%
Balance Transfer Interest Rate 22.99%
Cash Advance Interest Rate 22.99%
Rates & Fees
Annual Fee $139.00

Waived on the first year.

Balance Transfer Fee 3%
Cash Advance Fee 1%

Minimum of $3.50, maximum of $10.00

Foreign Transaction Fee 2.5%

Transactions made in a foreign currency will be converted and posted to your account in Canadian currency.

Over Limit Fee $29.00
Late Payment Fee $0.00
Sign up bonus

Earn 10% in cash back on gas purchases, grocery purchases & pre-authorized payments for the first 3 months, up to a total spend of $3,500

All Purchases 1% cash back
Restaurants No
Gas 3% cash back (on first $15000 spent)
Groceries 3% cash back (on first $15000 spent)
Hotels No
Travel No
Pharmacy No
Bills 3% cash back (on first $15000 spent)
Features & Benefits
Additional Card Holders
  • $50 for first Additional Cardholder
  • $0 for subsequent Additional Cardholders
  • Travel Accident Insurance Yes
    Car Rental Insurance Yes
    Car Rental Discount Yes
    Extended Warranty Yes
    Purchase Protection Yes
    Zero Liability Yes
    No Foreign Transaction Fees No
    Emergency Assistance Yes
    Concierge Service Yes
    Price Protection No
    Fraud Protection Yes
    Free Credit Scores No
    Wireless Payments Paywave, Apple Pay, Samsung Pay
    Virtual Cards No
    Additional Benefits
    • Delayed and Lost Baggage Insurance
    • Mobile Device Insurance
    Minimum Security Deposit $0
    Minimum Age

    18 years in AB, MB, ON, PE, QA, SK. 19 years in all other provinces.

    Minimum Personal Income $60,000 per year
    Temporary Residents No
    Additional comments -
    Terms & Conditions Official Terms & Conditions
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    Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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