TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite delivers high cashback on gas, groceries and recurring bill payments, making it one of Canada's strongest everyday cashback cards.
Why it ranks
- Excellent cashback rate on key everyday categories
- Useful insurance coverage included
- Simple, automatic cashback
What holds it back
- Annual fee applies
- 2.5% foreign transaction fee
- Minimum income required to qualify
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The TD Cash Back Visa Infinite delivers high cashback on gas, groceries and recurring bill payments, making it one of Canada's strongest everyday cashback cards.
TD Cash Back Visa Infinite Card at a glance
| Issuer | TD Canada Trust |
| Card network | Visa |
| Annual fee | C$139 |
| Welcome bonus | Elevated cashback rate for the first months |
| Rewards rate | 3% on gas, groceries and recurring bills; 1% elsewhere |
| Intro APR | Not applicable |
| Regular APR | 20.99% on purchases, 22.99% on cash advances |
| Foreign transaction fee | 2.5% on foreign currency purchases |
| Credit needed | Good to excellent credit |
| Best for | Families with heavy grocery, gas and bill spending |
| Airport lounge access | No |
Rewards & benefits
- 3% cashback on gas, groceries and recurring bill payments
- 1% cashback on all other purchases
- Cashback applied to your account once a year
- Travel and purchase protection insurance included
Eligibility & who it suits
- Canadian resident and of provincial age of majority
- Minimum personal income of CAD 60,000 or household CAD 100,000
- Good to excellent credit history
- Pass TD's application review
How to apply
Check current rates on TD Canada Trust’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar Canada cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | TCTD Canada TrustTD Cash Back Visa InfiniteC$139/yr · CA TD Cash Back Visa Infinite CardFamilies with heavy grocery, gas and bill spending |
C$139/yr | 3% on gas, groceries and recurring bills; 1% elsewhere | Elevated cashback rate for the first months | 2.5% on foreign currency p… | Good to excellent credit | |
| 2 | M(Bank of Montreal (BMO)BMO CashBack World Elite MastercardC$120/yr · CA BMO CashBack World Elite MastercardGrocery-heavy households wanting premium cashback |
C$120/yr | 5% on groceries, 4% on transit, 3% on gas (capped) | Elevated cashback rate for the first months | 2.5% on foreign currency p… | Good to excellent credit | |
| 3 | TTangerine BankTangerine Money-BackNo annual fee · CA Tangerine Money-Back Credit CardNo-fee cashback seekers who want category control |
None | 2% in chosen categories, 0.5% on everything else | Occasional elevated cashback promotion | 2.5% on foreign currency p… | Good credit |
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