TD Cash Back Visa Infinite Card: Elevate Your Everyday Spending and Earn More
The TD Cash Back Visa Infinite Card is crafted for Canadians eager to transform routine spending into valuable financial returns. The card shines for households, commuters, and frequent purchasers seeking to amplify rewards when buying groceries, fuelling up, or paying essential recurring bills.
Alongside robust cash back potential, cardholders gain access to premium experiences courtesy of the Visa Infinite program blending everyday practicality with elite privileges.
This card not only boosts the value of daily purchases but also offers peace of mind through a suite of travel and shopping protections. With its wide acceptance via the Visa network and a backdrop of TD’s legacy of service, this product seeks to address both the staple financial needs and the desire for premium perks.
If your goals include maximizing rewards on your biggest spending categories and accessing travel, lifestyle, and security extras, the TD Cash Back Visa Infinite Card warrants a closer look.
Benefits
The TD Cash Back Visa Infinite Card’s standout feature is its ability to generate generous rewards on the most common household expenses. Coupled with Visa Infinite privileges and comprehensive security features, it becomes a compelling pick for those balancing day-to-day value with a taste for premium services.
- 3% cash back on eligible grocery purchases
- 3% cash back on eligible gas purchases
- 1% cash back on recurring bill payments
- 0.5% cash back on all other eligible purchases
- Access to Visa Infinite privileges (concierge, luxury hotel benefits, unique dining experiences)
- Comprehensive travel and medical insurance (including emergency medical for out-of-province and lost/delayed baggage coverage)
- Purchase security and extended warranty protection
- Emergency roadside assistance
Prerequisites
To apply for the TD Cash Back Visa Infinite Card, applicants generally need to meet certain criteria. These include:
- Canadian residency and age of majority in your province/territory
- Minimum annual personal income of $60,000, or $100,000 household income
- Good to excellent credit score (typically 700+)
- No recent bankruptcy and satisfactory financial standing
Approval is subject to TD’s credit assessment process. Applicants should verify the latest requirements prior to submitting.
About TD Canada Trust
TD Bank Group (Toronto-Dominion Bank), founded in its current form by the merger of The Bank of Toronto (1855) and The Dominion Bank (1869), is one of Canada’s oldest and largest banks. Serving over 26 million customers worldwide, TD is known for its extensive branch network, technological innovation, and focus on customer service. The bank offers a diverse suite of financial products ranging from everyday banking to investment and insurance.
TD’s reputation is built on its enduring commitment to safety, adaptability, and reliability. As a leader in Canadian banking, TD emphasizes long-term customer relationships and offers world-class solutions, making it a trusted provider for Canadians seeking financial stability and value-driven products.
Who is this card for?
The TD Cash Back Visa Infinite Card targets individuals and families who spend consistently on groceries, fuel, and recurring services—categories where the card excels in rewards. This is ideal for established professionals or households with moderate to high monthly expenditures, who will easily benefit from the elevated cash back structure.
It’s best suited for applicants with stable incomes and strong credit, looking for a card that marries robust rewards with premium features. If you’re seeking extras like travel insurance, concierge access, and lifestyle upgrades—beyond straightforward cash back—the Visa Infinite features will appeal. Occasional travelers, frequent drivers, and those who value exclusive experiences find this card advantageous.
What rewards and programs does the card offer?
The TD Cash Back Visa Infinite Card uses a tiered system:
- 3% cash back on eligible grocery store and gas station purchases
- 1% cash back on recurring bill payments
- 0.5% cash back on all other eligible purchases
Cash back can be redeemed as a statement credit on demand (minimum $25), providing flexibility to offset monthly charges.
In addition, cardholders are automatically enrolled in the Visa Infinite program, which features personalized concierge service, luxury hotel collection perks, exclusive gourmet dining experiences, and premium travel offers.
Initial credit limit
TD assigns initial limits based on creditworthiness, confirmed income, and security criteria. Typical figures include:
- Minimum credit limit: $5,000
- Maximum credit limit: Determined individually by TD, often $20,000 or more with exceptional credit/income
Applicants with good to excellent credit generally receive a starting credit limit above the minimum.
Step by step to apply for the card
Ready to apply? The application process is straightforward:
- 1. Visit the official card website
- 2. Review the eligibility criteria and have your personal/financial documents handy (SIN, address, employment/income information)
- 3. Complete the secure online application form, ensuring all information is accurate
- 4. Submit your application. You may receive instant approval, or TD may contact you for further verification
- 5. Upon approval, your card is mailed to your address (typically within 7-10 business days)
If you prefer, applications can be made at a local TD branch.
TD app download:
APPLY FOR TD CASH BACK VISA INFINITE CARD
Card’s pros and cons
When evaluating the TD Cash Back Visa Infinite Card, consider both upside and potential drawbacks:
Pros
- Highest cash back rates on groceries and gas among premium cards
- Comprehensive travel insurance and purchase protections
- Visa Infinite privileges (concierge, dining, hotel upgrades)
- Flexible cash back redemption options
- Accepted globally via Visa network
Cons
- $120 annual fee
- No introductory 0% APR on purchases or balance transfers (at last update)
- Cash back on “other purchases” is limited to 0.5%
- High minimum income criteria
- No accelerated rewards on travel purchases
It is important to note that the card’s value is maximized if you spend regularly in the top reward categories. If your spending is minimal or dispersed outside these categories, you may find the annual fee outweighs any potential cash back.
How to unlock the card?
Once your card arrives, unlocking is simple:
- 1. Call the activation number provided with your card kit, or
- 2. Log in to your TD online banking account or TD app and follow the card activation prompts
- 3. Set your PIN if prompted, and your card is ready for immediate use
Fees and tariffs
It’s important to understand all card-related costs before applying:
Fee Type | Amount |
Annual fee | $0 – No fee to hold or use the card |
Purchase Interest Rate (APR) | 19.99% to 29.99% – Varies by credit profile and province |
Cash Advance Interest Rate | 22.99% to 31.99% – Typically applied to cash advances |
Foreign Transaction Fee | 2.5% – Charged on purchases made in foreign currencies |
Late Payment Fee | May apply if the minimum payment is missed |
Overlimit Fee | May apply if you exceed your approved credit limit |
Check TD’s official website to confirm the most current tariffs.
Customer service
For assistance, use these official channels:
- TD Credit Cards Inquiries: 1-800-983-8472
- TD Customer Service: 1-866-222-3456
- General website
Disclaimer: Credit card terms and conditions are subject to change. This article is for educational purposes only and does not constitute personalized financial advice. Review all card terms and use credit responsibly.
About the author
I have a background in Law and Marketing, and I specialise in strategic content creation, branding, and social media. I'm passionate about finance and communication, and I enjoy making complex topics clear, practical, and accessible. I'm communicative, organized, and a big fan of fashion and smart shopping. In my spare time, I love nature, cooking, traveling, and consuming content that inspires me to keep learning and growing.
