TD Cash Back Visa Infinite* Card
VISACash back on everyday spending
TD Cash Back Visa Infinite* Card
7.0Canada Cards ScoreVery goodEarn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate
Why get this card
- ✓Earn 3% on grocery, gas, ev charging, public transit
Pros
- +Strong 3% earn on grocery, gas, ev charging, public transit
Cons
- -Steep $139 annual fee
- -High 21.99% purchase interest rate
- -Needs $60,000 minimum income
Earn rates
- Grocery, gas, EV charging, public transit3%
- Recurring bill payments, streaming, digital gaming & media3%
- All other purchases1%
Welcome offer
Earn up to $600 in total value - 10% Cash Back in first 3 months plus first-year annual fee rebate
- Bonus points
- —
- Minimum spend
- $3,500
- Spend window
- 90 days
- Offer ends
- —
10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500; plus first-year annual fee rebate.
Fees
- Annual fee
- $139
- Additional card
- $50
- Foreign transaction fee
- —
$50 for first Additional Cardholder; $0 for subsequent Additional Cardholders.
Interest rates
- Purchase APR
- 21.99%
- Cash advance APR
- 22.99%
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- —
Redemption & eligibility
- Reward currency
- Cash Back Dollars
- Redemption options
- —
- Transfer partners
- —
- Min. personal income
- $60,000
- Min. household income
- $100,000
$60,000 personal or $100,000 household annual income.
How we scored it
7.0Very good- Everyday earn rateWeight 30
3% on Grocery, gas, EV charging, public transit
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$139 annual fee
- Benefits depthWeight 15
0 insurance coverages
- Interest costWeight 10
21.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
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Learn before you apply
Frequently asked
- Is the TD Cash Back Visa Infinite* Card worth it?
- It carries a $139 annual fee. Earn 3% on grocery, gas, ev charging, public transit. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the TD Cash Back Visa Infinite* Card?
- The annual fee is $139. The purchase interest rate is 21.99% and the cash advance rate is 22.99%. These are sourced from TD Canada Trust's official page.
- What rewards does the TD Cash Back Visa Infinite* Card earn?
- It earns up to 3% on grocery, gas, ev charging, public transit, in Cash Back Dollars. See the full earn-rate breakdown above.
- What income do I need for the TD Cash Back Visa Infinite* Card?
- TD Canada Trust lists a minimum personal income of $60,000 or household income of $100,000.
More ways to compare
Official sources
Every figure on this page comes from TD Canada Trust's own pages. Last checked 2026-06-13.
Cited, never sponsored
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