TD Cash Back Visa Infinite Card
Last updated:
$89/year
Earn up to 10% cashback
Earn 10% cash back on all purchases for the first 3 months, up to $2,000 in spend.
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Key Details
Annual Fee
$89
Network
visa
Credit Required
good, excellent
Reward Type
cashback
Rewards Earn Rates
3x
Groceries
3x
Gas
1x
Dining
1x
Travel
1x
Everything Else
Highlights
- $89 annual fee
- 3% cashback on groceries, gas, and recurring bills
- 1% on everything else
- Auto-deposit cashback
Pros & Cons
Pros
- + Strong 3% on groceries, gas, and bills
- + Cashback deposited automatically
- + Visa Infinite benefits and insurance
- + Reasonable fee for the earn rates
Cons
- – $89 annual fee
- – Only 1% on non-bonus spending
- – $60,000 minimum income
- – Not as competitive on dining
Who Is This Card For?
The TD Cash Back Visa Infinite Card is best suited for Canadians who prioritize cashback, groceries, gas spending. At $89/year, it's worth it for those who spend enough in bonus categories to offset the fee.
Benefits Breakdown
Extended Warranty
Purchase Protection
Rental Car Insurance
Insurance Coverage Details
Ways to Reduce the Annual Fee
- TD sometimes offers first-year fee waiver
- Product-switch from TD Rewards Visa
- 3% on recurring bills alone can offset the fee quickly
Multi-Card Strategy
Good as a bills/groceries/gas card. Pair with a no-fee dining card like Simplii for a well-rounded setup.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
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Simplii Financial Cash Back Visa Card
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.