The TD Cash Back Visa Infinite Card Review

Sign Up Cash Value
Annual Fees
Purchase Interest Rate
Min Personal Income Required
Recommended Credit Score
740 850 670 739 580 669 0 579
Earn 9% on gas, grocery and recurring bill payments for the first 3 months² up to a total spend of $3,500 if you apply by June 3, 2018 (conditions apply).

TD’s new Cash Back Visa Infinite card is serving up a very lucrative welcome earn rate, and worthwhile post-welcome rates as well. Those that sign up for the card by June 3rd, 2018 will get a super-high introductory cashback rate of 9% on gas, grocery and recurring bill payments during the first 3 months² (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 highest introductory accelerated cash back rate in the market today.

At A Glance

  • 9% introductory cash back rate on gas, grocery and recurring bill payments in the first 3 months² (capped at $3,500, must apply by June 3rd, 2018)
  • 3% in cash back dollars on eligible grocery purchases and gas purchases³, and on regularly recurring bill payments⁴ set up on your account
  • 1% on all other purchases⁵
  • Redeem cash back at any time to pay down the card balance⁶
  • No expiration on cash back
  • Travel medical insurance⁸
  • Unique Visa Infinite Food and Wine experiences⁹

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 services⁹ 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 June 3rd, 2018 can take advantage of an impressive 9% cashback rate for the first three months. While the period of accelerated cash back is relatively short lived, it allows you to accrue up to $315 via the 9% earn rate, which is pretty massive.
  2. Travel in Peace
    For customers looking to travel, the TD Cash Back Visa Infinite card offers medical coverage⁸ 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 services⁹ 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 Club⁷. 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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