TD Cash Back Visa Infinite* Card
Not yet rated
Best for Household spending
Cash back
Gift offer – Get a $50 gift card on approval.
Ends
Card highlights
Number of perks & insurances
Ratehub’s review
Natasha Macmillan
The TD Cash Back Visa Infinite offers a strong earn rate on rewards and the option to redeem your cash back at any time (minimum $25). Plus, the card packs a punch with added benefits like travel insurance coverage – which is rare for a cash back card.
Pros
- High earn rate: Strong earn rate of 3% cash back on gas, groceries and recurring bills and 1% on all other purchases
- Additional perks: Complimentary roadside assistance through Deluxe TD Auto Club membership, discounts at Avis and Budget Rent-A-Car locations
- Travel insurance: This card includes travel medical and delayed/lost baggage insurance, which is quite uncommon for non-travel cards. Additional insurance includes purchase security and extended warranty protection.
Cons
- Cap on key spending categories: $15,000 yearly spending cap for gas, groceries and recurring bills – after which the rate drops to 1%. Big spenders in these categories may want to consider partnering this card with one that offers non-capped rates
- Income requirements: $60,000 minimum personal income requirement may pose a hurdle for some users
Rewards & bonuses
See what you could earn based on how you spend.
Earn rates
3%
On Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†*Up to $1,250 / month, then 1%
3%
On Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†*Up to $1,250 / month, then 1%
1%
On all other purchases†*
Monthly spending caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details.
Your earning potential
First year reward
Based on spending $2,200/mo after $139 annual fee
Second year reward
Based on spending $2,200/mo after $139 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Gift card offer
- Annual feefirst year waived
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Not included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Not included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Not included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Not included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Not included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Not included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $0 for the first year, then $139 per year after
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- 22.99%
- Cash advance rate
- 22.99%
Type
- Provider
- TD Bank
- Card type
- Cash back
- Payment network
- VISA
Eligibility
- Minimum personal income
- $60,000
- Minimum household income
- $100,000
- Minimum credit score
- 725+