TD Cash Back Visa Infinite Card: take advantage of cashback benefits
Enjoy the benefits of a credit card without compromising your financial health.
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The TD Cash Back Visa Infinite Card can be an excellent option for Canadians who want to earn accelerated cash back on day-to-day spending, especially if they spend a lot on groceries, gas, transit, and recurring bills.
It is a premium card, so it comes with a $139.00 CAD annual fee and strict minimum income requirements. In return, it offers significantly higher cash back in specific categories and includes premium Visa Infinite benefits and coverage options that are highly useful for most customers.
Below, you’ll find the transparent and updated details (fees, rates, eligibility) and a clear explanation of how this card works, so you can decide if it fits your household budget and routine.
Who is the TD Cash Back Visa Infinite Card for?
This card is exclusively for Canadian residents who meet TD’s strict eligibility requirements and want high cash back rewards in everyday categories. On the official TD page, the stated income requirement is:
- $60,000 CAD minimum personal annual income, or
- $100,000 CAD minimum household annual income.
In practice, it makes the most sense for people who will actually use the bonus categories often. If your spending is mostly outside those categories, or you don’t meet the income and good credit score requirements, a lower-fee card may deliver a better cost-benefit.
TD Cash Back Visa Infinite Card benefits
The main value of this premium card is the accelerated 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 (up to a $15,000 CAD annual spend cap);
- 3% in Cash Back Dollars on eligible Recurring Bill Payments, and Streaming, Digital Gaming & Media purchases (up to a separate $15,000 CAD annual spend cap);
- 1% in Cash Back Dollars on all other eligible purchases (and on purchases made after the 3% caps are reached).
Another practical point is flexibility: TD highlights that you can redeem Cash Back Dollars to help pay down your account balance whenever you want, as long as your account is open and in good standing.
The card also includes premium Visa Infinite benefits, such as 24/7 concierge service (useful for booking help and general assistance), and TD also includes features like a complimentary Deluxe TD Auto Club membership (roadside assistance).
Credit card limit
TD does not show one single fixed credit limit for everyone (though Visa Infinite cards typically start at a minimum of $5,000 CAD). In general, credit limits are strictly based on the bank’s hard assessment of the applicant (verified income, credit score, existing debt, and other internal risk criteria).
A simple way to use any credit limit responsibly is to avoid carrying a balance for long periods and to pay at least the full statement balance by the due date. This helps avoid the 21.99% interest costs entirely.
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 CAD personal or $100,000 CAD household;
- Credit requirement: Good to excellent credit score (subject to a hard credit check).
TD Cash Back Visa Infinite Card fees and rates
Fees and interest rates matter immensely because they can reduce (or even cancel out) the value of your rewards if you carry a balance. On the official TD card page, the disclosures show the following:
- Annual fee: $139.00 CAD;
- Interest rate (purchases): 21.99% annually;
- Interest rate (cash advances): 22.99% annually;
- Foreign transaction fee: 2.50% added to the exchange rate on non-CAD purchases;
- Additional Cardholder: $50.00 CAD for the first supplementary card and $0 for subsequent cards.
*Rates, fees, and conditions confirmed according to the official TD website as of March 23, 2026.*
What is the app experience like?
TD highlights that you can easily and securely manage your card through the highly-rated TD app and online banking. In general, these tools help you do the basics that matter most for financial control:
- Check your available balance and posted transactions in real-time;
- Pay your credit card bill instantly and track payment dates;
- Monitor cash back earnings and redeem them to pay down your balance;
- Set up push alerts for purchases and due dates for better spending control and fraud prevention.
How to apply for a TD Cash Back Visa Infinite Card
You can securely apply through TD’s official digital channels. The standard path is:
- Visit the official TD page for the TD Cash Back Visa Infinite Card via a secure link;
- Confirm that you meet the strict income ($60k/$100k) and residency requirements;
- Click “Apply” and fill in the requested personal, employment, and financial information;
- Provide legal consent for a hard credit check via Equifax or TransUnion;
- Review the legal terms and submit your application for automated approval.
Approval is never guaranteed and depends entirely on TD’s risk analysis. Always read the full terms and conditions before completing the application.
Our opinion about the TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite Card is absolutely worth it for Canadians who regularly spend heavily in the bonus categories (like groceries, gas, transit, and recurring bills) and who can easily offset the $139 CAD annual fee with their cash back earnings.
However, if you often carry a balance month-to-month, the 21.99% interest costs will quickly outweigh any cash back you earn. In that case, a low-interest credit card is a much safer and smarter financial choice.
Click the button below to be securely redirected to the official TD website to review the terms and apply for your Cash Back Visa Infinite Card.
**You will be redirected to the official website**
Disclaimer: This site is independent and strictly informational. 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.
