TD Cash Back Visa Infinite Card Review

Imagine a credit card that doesn't just offer spending power but unlocks a world of extraordinary benefits and rewards.

Get ready to supercharge your everyday spending with the TD Cash Back Visa Infinite Card—a true powerhouse for Canadians who demand more from their rewards! Imagine earning cash back on nearly every purchase, enjoying premium perks, and accessing world-class benefits—all with the security and reputation of TD Bank behind you. Whether you’re fueling up for a road trip, stocking your kitchen, or managing monthly bills, this card is designed to maximize your returns with incredible ease.

Step into a world where your purchases work for you! From a jaw-dropping welcome bonus to luxury travel assistance and exclusive privileges, the TD Cash Back Visa Infinite Card offers more than just cash back—it opens doors to an elite lifestyle. Ready to turn everyday expenses into extraordinary value? Here’s everything you need to know.

TD CashBack Visa Infinite Card benefits

1. Unbeatable Welcome Bonus
Start your journey with a bang—earn a phenomenal 10% cash back on all eligible purchases for the first 3 months, up to a maximum of $350 cash back (on $3,500 in purchases)! It’s an incredible head start to your rewards journey, making your new card feel instantly valuable.

2. High Everyday Cash Back Rates
Enjoy a stellar 3% cash back on groceries, gas (including EV charging), recurring bill payments, streaming services, public transportation, digital games, and media. Every swipe means money back in your pocket for life’s essentials!

3. Unlimited 1% Cash Back on Everything Else
Never miss out! Earn a solid 1% cash back on all other eligible purchases—no category restrictions, no hassles, just pure reward with every purchase you make.

4. First Year Annual Fee Rebate
Relax—your $139 annual fee is fully rebated for the first year, as long as you make your first purchase within 3 months. That’s premium perks with zero upfront cost!

5. Generous Annual Spending Caps
Maximize your rewards! The 3% cash back applies to your first $15,000 annually in each bonus category. That’s serious earning potential for savvy spenders.

6. Deluxe TD Auto Club Membership
Never get stranded again! Enjoy Deluxe TD Auto Club Membership—Canada-wide roadside assistance, emergency towing, lockout help, and more, included at no extra charge.

7. Visa Infinite Concierge Service
Gain 24/7 access to the Visa Infinite Concierge—your personal assistant for dining, travel, tickets, reservations, and exclusive experiences. One call unlocks the best of life!

8. Comprehensive Travel Insurance
Travel worry-free with up to $2 million in travel medical insurance, lost/delayed baggage coverage, trip cancellation/interruption, and rental car collision coverage. Peace of mind wherever you go!

9. Mobile Device Insurance
Protect your devices! Get up to $1,000 of coverage on eligible new mobile devices purchased with your card—lost, stolen, or damaged, you’re covered.

10. Purchase Protection & Extended Warranty
Shop with confidence—eligible purchases are protected against theft or damage for 90 days, and manufacturer warranties are doubled for up to 1 additional year.

11. Exclusive Avis and Budget Car Rental Discounts
Save more on your next adventure—get 10% off car rentals in Canada and the U.S., and 5% off internationally at participating Avis and Budget locations.

12. Starbucks Bonus Rewards
Love coffee? Earn 50% more Starbucks Stars when you load your Starbucks Card using your TD Cash Back Visa Infinite Card. More coffee, more rewards!

13. No Expiry on Cash Back (Active Account)
Your cash back never expires as long as your account is open and in good standing. Accumulate rewards and redeem on your own terms!

Qualification Requirements

To be eligible for the TD Cash Back Visa Infinite card, applicants must meet certain criteria:

• Minimum Income: An annual personal income of $60,000 or household income of $100,000 is typically required.
• Credit Score: A good to excellent credit score is necessary for approval.
• Age and Residency: Applicants must be of legal age in their province and a Canadian resident.

Step-by-Step Guide to Apply

Applying for the TD Cash Back Visa Infinite card is straightforward:

1. Eligibility Check: First, ensure you meet the income and credit requirements.
2. Application Process: Apply online on the TD website or visit a branch. You’ll need to provide personal, financial, and employment information.
3. Documentation: Submit any required documents, such as proof of income or ID.
4. Approval and Activation: Once approved, you’ll receive your card by mail. Activate it online or by phone.

FAQs About TD Cash Back Visa Infinite

Is there an annual fee for the TD Cash Back Visa Infinite Card?

Yes, it’s $139 per year, but the first year’s fee is fully rebated if you make your first purchase within 3 months.

What is the welcome bonus?

You can earn 10% cash back on all eligible purchases for the first 3 months, up to a maximum of $350 cash back (on $3,500 in spending).

What purchases qualify for 3% cash back?

Groceries, gas (including electric vehicle charging), recurring bill payments, streaming services, public transit, digital games, and media—all earn 3% up to $15,000 per category per year.

How do I redeem my cash back?

You can redeem your cash back at any time, provided you have a minimum of $25 in earned rewards, directly through your TD account portal.