High cash back on core Canadian everyday spending
3% Cash Back on Everyday Essentials
Earn 3% back on groceries, gas, EV charging, transit, recurring bills and streaming, up to an annual cap.
Welcome Offer Worth up to $600
New cardholders can earn 10% cash back for three months on bonus-eligible purchases, plus added value from fee rebates.
Robust Travel and Purchase Insurance
Get travel medical, trip interruption, hotel burglary, rental car coverage and mobile device insurance on eligible trips and purchases.
Free Deluxe TD Auto Club Membership
Enjoy complimentary roadside assistance across Canada and the U.S., including towing, boosts, lockouts and more.
How the TD Cash Back Visa Infinite Card Rewards Your Everyday Life
The TD Cash Back Visa Infinite Card is designed for Canadians who spend heavily in classic household categories like groceries, gas, transit and monthly bills, and want straightforward cash back instead of points. With this card, you earn 3% in Cash Back Dollars on eligible grocery, gas and EV charging, public transit, recurring bill payments, and many popular streaming, digital media and gaming services, up to a yearly spending cap in these bonus categories. After you hit that cap, and on all other eligible purchases, you earn 1% cash back, so every dollar you put on the card keeps working for you.
New cardholders can qualify for a limited-time welcome offer that can be worth up to $600 in total value. This typically includes an accelerated 10% cash back rate on bonus-eligible purchases in the first three months on up to $3,500 in spending, plus additional value tied to annual fee rebates for the primary cardholder and, in some cases, an additional cardholder. The offer is updated periodically, so it’s important to check TD’s site for the current details and end dates before you apply.
The card carries a $139 annual fee for the primary cardholder, with $50 for the first additional cardholder and no fee for subsequent additional cards. Interest rates are standard for a premium Canadian rewards card: 21.99% on purchases and 22.99% on cash advances in most provinces, with slightly different terms for Quebec residents. To qualify, you normally need a minimum personal income of $60,000 or household income of $100,000, plus a good credit history and Canadian residency.
Beyond cash back, the Visa Infinite platform layers on extra value. You get strong travel and purchase insurance, including out-of-province/out-of-country emergency medical coverage for short trips, trip interruption insurance, delayed and lost baggage coverage, hotel/motel burglary insurance, rental car collision/loss damage insurance and mobile device insurance (up to an eligible maximum) when conditions are met. On top of that, you receive a complimentary Deluxe TD Auto Club membership for roadside assistance and access to Visa Infinite privileges like concierge and curated dining and entertainment offers. Combined, these features make the TD Cash Back Visa Infinite Card attractive for drivers, families and frequent travellers who want richer protection on top of cash back.
This card is ideal for Canadians with strong household income who spend significantly on groceries, gas/EV charging, transit, recurring bills and streaming, and who want cash back instead of points. The income requirement is typically at least $60,000 personal or $100,000 household.
You earn 3% in Cash Back Dollars on eligible grocery, gas and EV charging, public transit, recurring bills, and select streaming and digital media purchases, up to an annual spending cap in these categories. After that cap, those purchases earn 1%, as do all other eligible purchases.
In 2025, the special offer allows you to earn up to $600 in value, usually through 10% cash back in the first three months on bonus-eligible purchases up to a set amount, plus fee rebates. Offers can change, so always confirm the latest promotion directly on TD’s website before applying.
Cash Back Dollars can be redeemed as a statement credit to help pay down your TD Cash Back Visa Infinite balance. You can set up an automatic annual redemption each January with no minimum, or request a redemption at any time once you have at least $25 in Cash Back Dollars.
Eligible cardholders receive a suite of insurance benefits when they charge the full cost of trips or purchases to the card, including out-of-province/out-of-country emergency medical, trip interruption, delayed and lost baggage, hotel/motel burglary, rental car collision damage and mobile device insurance, subject to conditions and age/trip-length limits.
Yes. You get a complimentary Deluxe TD Auto Club membership for roadside assistance, plus typical Visa Infinite benefits such as concierge access and curated lifestyle offers. TD also partners with programs like Starbucks Rewards, where linking your TD card can boost the Stars you earn on eligible purchases.
Is the TD Cash Back Visa Infinite the Right Cash Back Engine for You?
If you’re a Canadian who spends heavily on groceries, commuting and monthly household bills, the TD Cash Back Visa Infinite Card is designed to turn those unavoidable expenses into meaningful rewards. Instead of juggling complex points charts, you simply earn a high 3% cash back rate in your most common spending categories, with 1% on everything else. For many families, that means earning rewards on almost every transaction, from supermarket runs and gas station stops to streaming subscriptions and recurring utilities. When you add the limited-time welcome offer—featuring an accelerated 10% cash back rate in the first few months and total value up to $600—the first year can be especially rewarding if you align your big purchases carefully.
Value also comes from protection. The included travel medical and trip interruption coverage can save you from buying separate insurance for many short trips, while rental car collision coverage may let you decline expensive agency waivers when conditions are met. Mobile device insurance helps if your financed smartphone is lost, stolen or accidentally damaged, and purchase protection plus extended warranty coverage can cushion the blow if new items break or are stolen soon after you buy them. The complimentary Deluxe TD Auto Club membership offers peace of mind on the road, with towing, boosts and lockout assistance across Canada and the U.S.—a perk that could easily cost a significant amount per year if purchased separately.
The main trade-offs are the $139 annual fee and the income requirement, which put this card firmly into the “premium” category. However, if your household spending in bonus categories is substantial, the extra cash back, plus the welcome offer and included perks, can more than offset the fee. If you also bank with TD, pairing the card with certain chequing accounts may unlock annual fee rebates, further improving the math.
If you like the idea of a card that pays you back generously on the purchases you already make, this may be a strong fit. Before applying, review your past three to six months of spending: if groceries, gas/EV charging, transit and recurring bills are major budget lines, the TD Cash Back Visa Infinite could become a reliable “everyday driver” in your wallet.