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The TD Cash Back Visa Infinite Card Review

td-cashback-visa-infinite-cardFor those individuals seeking cash back for all their purchases, TD’s new Cash Back Visa Infinite card poses an interesting offer. Customers will receive a rebate on their first annual fee for the Primary Card Holder, as well as a super-high introductory cashback rate of 6% for all purchases during the first 3 months (up to $3,500 in total spending). The card has a standard APR rate of 20.99% on purchases and 22.99% on cash advances, and offers several benefits of note aside from the fee rebate and introductory accelerated cash back rate.

At A Glance

  • 6% introductory cash back rate for first 3 months
  • 3% cash back on groceries, gas and recurring bills
  • 1% on all purchases
  • Redeem cash back at any time to pay down the card balance
  • No expiration on cash back
  • Invitations to exclusive food and wine experiences
  • Rebate on first year’s annual fee for the Primary Card Holder
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The company’s cash back offering is flexible, and lets customers redeem their earnings at any time to pay down existing balances. Cardholders also benefit from access to a 24-hour concierge services designed to locate nearby events and are eligible to participate in the Visa Infinite food and wine experiences as well.

Why We Like It

  1. Killer Introductory Rate
    Members that sign up before December 3rd, 2017 can take advantage of an impressive 6% cashback rate for the first three months. While it is short-lived, it can be an effective way to save during the first annual payment cycle, which conveniently falls during the holidays. The maximum cash back that can be earned with the 6% accrual rate is $210, which could pay for a lot of holiday gifts.
  2. Travel in Peace
    For customers looking to travel, the TD Cash Back Visa Infinite card offers medical coverage that includes standard protection and up to $2 million in coverage during the first 10 days of a trip. Additionally, Visa Infinite cardholders get delayed and lost baggage insurance, along with access to emergency travel assistance.
  3. Accelerated Cash Back on Gas, Groceries and Recurring Bills
    Several Canadian credit cards offer heightened cashback rates for gas and groceries; relatively few include automatic billing payments as well.
  4. Redeem Cash Back at Any Time
    A major benefit of the TD Cash Back Visa Infinite card is that customers can redeem their cash back earnings at any time. Instead of having to wait for a yearly statement, the cash back dollars can be applied to the credit card’s balance whenever a cardholder likes.
  5. Value-Added Services
    Customers have access to around-the-clock concierge services and can participate in unique Visa Infinite Food and Wine experiences. Additionally, customers receive extra benefits when staying at over 900 hotels across the world.
  6. TD Auto Club Membership
    Cardholders can rest easy on the road knowing that the TD Cash Back Visa Infinite card includes complimentary membership to the company’s TD Auto Club. The subscription includes free emergency roadside assistance 24 hours a day.

Is It Worth It?

Though its eligibility requirements are more strict than those of the average cashback card, the TD Visa Infinite’s accelerated cash back rates in certain categories make it especially beneficial for some consumers, particularly families. Those who spend a significant amount on gas, groceries and recurring bills should give this card careful consideration.

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