Pros & Cons
Pros
- +First Year Annual Fee Rebate ($139 annual fee rebated)
- +Welcome Bonus: $350
- +Up to 3x on Groceries
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:
- Grocery stores
- Gas, EV charging and public transit
- Recurring bills, streaming services, digital media and games
And 1% cash back on all other purchases.
It’s the best TD cash back credit card, especially for gas purchases.
With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!
Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.
Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.
Rewards
All Spending
1x
Cash Back pts per dollar
Groceries
3x
Gas
3x
Transit
3x
Recurring
3x
Streaming
3x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$624
$/yr
Estimated Value
$624
After Fees
+$624
1st Year Value
$974
incl. welcome bonus
Annual rewards breakdown
- Earn $350 Cash Back after $3,500 in purchases in 3 months
Travel Insurance
Travel Medical
Up to $2,000,000 / 10 days
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate21.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Concierge Service
24/7
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Earn up to $600 in total value†, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions Apply.
- Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
- Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership†.
- Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 1% in Cash Back Dollars on all other Purchases†.
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please – the choice is yours†!
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
Legal
†Terms and conditions apply.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.