TD Cash Back Visa Infinite review: requirements and how to apply
Discover benefits, fees, and charges
The TD Cash Back Visa Infinite Card can be a good option for Canadians who want to earn higher cash back on day-to-day spending, especially if they spend a lot on groceries, gas, transit and recurring bills.
It comes with a $139 annual fee and a minimum income requirement. In return, it offers higher cash back in specific categories and includes Visa Infinite benefits, travel insurance and roadside assistance.
Below, you’ll find the card’s fees, rates and eligibility requirements, and an explanation of how it works, so you can decide if it fits your budget and routine.
Who is the TD Cash Back Visa Infinite Card for?
This card is for Canadian residents who have reached the age of majority in their province or territory, meet TD’s income requirement and want higher cash back in everyday categories. According to TD, you need:
- A minimum personal annual income of $60,000, or
- A minimum household annual income of $100,000.
In practice, it makes the most sense for people who use the bonus categories often. If most of your spending falls outside these categories, or you don’t meet the income requirement, a card with a lower fee may be a better fit. TD offers the TD Cash Back Visa Card for people who don’t meet the income requirement.
TD Cash Back Visa Infinite Card benefits
The main value of this card is its cash back structure. According to TD, the card earns:
- 3% in Cash Back Dollars on eligible Grocery, Gas & Electric Vehicle Charging, and Public Transit purchases, on up to $15,000 in annual purchases in each of these categories;
- 3% in Cash Back Dollars on eligible Recurring Bill Payments, and Streaming, Digital Gaming & Media purchases, on up to $15,000 in combined annual purchases;
- 1% in Cash Back Dollars on all other eligible purchases, and on purchases in a 3% category once its annual cap is reached.
You can redeem Cash Back Dollars at any time to help pay down your balance, with a minimum redemption of $25. They don’t expire as long as your account is open and in good standing.
The card also includes Visa Infinite benefits, such as the 24/7 Visa Infinite Concierge, the Visa Infinite Luxury Hotel Collection and the Visa Infinite Dining Series, plus a free Deluxe TD Auto Club membership with 24/7 roadside assistance.
For travel and purchases, the card includes:
- Travel Medical Insurance: up to $2 million for the first 10 days of a trip, or the first 4 days if you or your spouse is 65 or older;
- Delayed and Lost Baggage Insurance: up to $1,000 per insured person if your baggage is delayed more than 6 hours or lost;
- Auto Rental Collision/Loss Damage Insurance: when you charge the full cost of the rental to your card;
- Purchase Security and Extended Warranty Protection: coverage for most eligible new items stolen or damaged within 90 days of purchase;
- Mobile Device Insurance: up to $1,000 for loss, theft, accidental damage or mechanical breakdown of eligible devices.
Insurance coverage is subject to the terms, limits and exclusions in the Certificate of Insurance provided with the card.
Credit card limit
TD doesn’t publish a single credit limit for this card. Your limit is set by TD based on its assessment of your application, including factors like your income, credit history and existing debt.
A simple way to use any credit limit responsibly is to avoid carrying a balance and to pay your full statement balance by the due date. This way, you avoid interest on your purchases.
Key details of the TD Cash Back Visa Infinite Card
- Card network: Visa (Visa Infinite);
- Where it can be used: in Canada and internationally, wherever Visa is accepted;
- Rewards type: Cash Back Dollars;
- Minimum income requirement: $60,000 personal or $100,000 household;
- Other requirements: be a Canadian resident and have reached the age of majority in your province or territory. Approval depends on TD’s credit assessment.
TD Cash Back Visa Infinite Card fees and rates
Fees and interest rates matter because they can reduce, or even cancel out, the value of your rewards if you carry a balance. According to TD, these are the main costs:
- Annual fee: $139, rebated every year if you have a TD All-Inclusive Banking Plan;
- Interest rate (purchases): 21.99% annually;
- Interest rate (cash advances): 22.99% annually;
- Foreign transaction fee: 2.5% on purchases in foreign currencies;
- Additional cardholders: $50 for the first additional cardholder and $0 for the others, up to a maximum of 3.
Rates, fees and conditions checked on September 22, 2026, against the official TD website. Confirm current terms on the TD website before applying.
What is the app experience like?
You can manage your card through the TD app and EasyWeb online banking. These tools let you:
- Check your balance and transactions;
- Redeem your Cash Back Dollars to pay down your balance;
- Set transaction limits, block international purchases or lock your credit card;
- Receive TD Fraud Alerts on your mobile phone when TD detects suspicious activity on your card.
How to apply for a TD Cash Back Visa Infinite Card
You can apply online through TD’s website. The standard path is:
- Visit the official TD page for the TD Cash Back Visa Infinite Card;
- Confirm that you meet the income ($60,000 personal or $100,000 household) and residency requirements;
- Click “Apply now” and fill in the requested information, including your full legal name, date of birth, home address, phone number, email address, employment status, gross annual income and residential status;
- Consent to a credit check;
- Review the terms and submit your application. TD says you’ll receive an instant response.
You can also apply by phone at 1-855-315-4325 or in person at a TD branch. Approval is never guaranteed and depends on TD’s credit assessment. Always read the full terms and conditions before completing your application.
Our opinion about the TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite Card can be worth it for Canadians who spend regularly in the bonus categories, like groceries, gas, transit and recurring bills. At 3%, you’d need to spend about $4,630 per year in these categories just to cover the $139 annual fee.
The card also stands out for its insurance package and roadside assistance, although travel medical coverage is limited to the first 10 days of a trip (4 days if you or your spouse is 65 or older).
However, if you often carry a balance from month to month, the 21.99% interest rate will quickly outweigh the cash back you earn. In that case, a low-interest credit card may be a better choice.
Click the button below to be redirected to the official TD website to review the terms and apply for the TD Cash Back Visa Infinite Card.
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Disclaimer: This site is independent and strictly informational, and its content does not constitute financial advice. Finvyu is not affiliated with TD Bank. We do not guarantee credit card approval, which is solely subject to a credit check, income verification and risk analysis by the issuing bank (TD Bank). Finvyu Editorial Team.
