The TD Cash Back Visa Infinite credit card is intended for individuals who want to make the most of their everyday purchases.
With a focus on providing cashback for common expenses, this card offers interesting rewards for its users.
It also comes with premium features that cater to those who wish for added value and convenience in their financial product.
In this guide, we’ll take a look at the main characteristics of this item, so you can decide if its features align with your financial objectives.
Pros and cons of the TD Cash Back Visa Infinite
The TD Cash Back Visa Infinite provides several benefits to its cardholders, but it also comes with potential drawbacks.
By understanding these factors, you can make an informed decision if this credit card is the right fit for your lifestyle and spending habits.
Advantages
The TD Cash Back Visa Infinite card has many perks that make it stand out among its competitors.
Check some of its benefits below:
- The user can get 3% Cash Back Dollars on eligible grocery and gas purchases and on regularly recurring bill payments set up on their account;
- The cardholder can obtain 1% Cash Back Dollars on all other purchases made with their card;
- Clients receive access to exclusive Visa Infinite Benefits, including Complimentary Concierge, Luxury Hotel Collection, and Dining Series;
- It also grants comprehensive travel medical insurance, providing peace of mind when booking trips, whether for business or leisure.
Disadvantages of the TD Cash Back Visa Infinite
While this card comes with various advantages, it may not be the perfect fit for everyone.
Before making your decision, it’s essential to weigh both the positive and negative aspects of this product.
Here are some drawbacks to consider:
- The minimum income requirement for this card is on the higher side, with a personal annual income of $60,000 or a household income of $100,000 annually needed to qualify;
- It has an annual fee;
- A fee is charged for an additional cardholder;
- The interest rates for purchases and cash advances are relatively high.
Fees of the TD Cash Back Visa Infinite credit card
Understanding the associated costs is critical when evaluating any credit card.
Here’s a breakdown of the fees for the TD Cash Back Visa Infinite card:
- The annual fee is $139.00;
- The interest rate for purchases is 20.99%;
- The interest rate for cash advances is 22.99%;
- The fee for an additional cardholder is $50.00.
Last update of rates according to the official website: 01/28/25
About the issuing bank
With a history of over 150 years, TD Bank is one of Canada’s largest and most respected financial institutions.
Offering a wide variety of financial products, TD is known for its customer service, comprehensive online banking options, and solid reputation.
With its credit cards, the bank continues to provide reliable and rewarding options for consumers who prioritize premium benefits.
Application
The TD Bank App allows users to track their spending, view cash back rewards, make payments, and set up alerts for due dates and transactions.
It also offers enhanced security features, such as Touch ID and single-use security codes.
Opinion about the card
The TD Cash Back Visa Infinite credit card is an interesting choice for those seeking a combination of cashback rewards and exclusive benefits.
In addition to its earning potential, the card offers perks like Visa Infinite Luxury Hotel Collection and unique dining experiences, adding a layer of sophistication for users.
However, the card’s annual fee and income stipulations might be drawbacks for some.
Besides, clients on a tighter budget may find it challenging to justify the costs associated with maintaining the card, especially if they don’t fully utilize the rewards and benefits offered.
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