Highlights
- Earn 3% Cash Back Dollars on groceries, gas and EV charging, public transit, recurring bills, and streaming, digital gaming, and media purchases, subject to annual category caps
- Free Deluxe TD Auto Club membership and 24/7 emergency roadside service
- Visa Infinite Concierge, Luxury Hotel Collection, Dining Series, Entertainment Access, and Troon Golf benefits
- Travel medical, baggage, rental-car, purchase, and mobile-device insurance
Issuer: TD Canada Trust
Payment network: Visa
Annual fee: $139; first additional card $50, subsequent cards $0
Foreign transaction fee: 2.5%
The card earns Cash Back Dollars through the TD Cash Back Program. Cash Back Dollars can offset the card balance and do not expire while the account remains active, open, and in good standing.
Welcome Offer
【July 31, 2026 update】 Record $350 welcome offer, plus an additional $140 through the blog partner cash-back site.
- Earn 10% cash back on the first $3,500 spent in the first three months on groceries, gas, EV charging, transit, recurring bills, and streaming subscriptions.
- The first-year annual fee is waived for the primary and additional cards.
Income requirement: personal annual income of $60,000 or household annual income of $100,000. Applicants must be Canadian residents who have reached the age of majority in their province or territory.
Apply through the referral link🔗
Previous welcome offers
【May 31, 2025 update】 The same offer returned: 10% cash back on $3,500 in spending plus first-year fee waivers for the primary and additional cards.
【October 23, 2023 update】 Apply before March 4, 2024, for $350 cash back and first-year fee waivers.
Before May 28, 2023: 10% cash back on the first $2,000 spent in three months, up to $200.
Everyday Spending
3%: Groceries, gas and EV charging, public transit, recurring bills, and streaming, digital gaming, and media purchases. Each category earns 3% on up to $15,000 per year. Visa’s merchant category codes and TD’s definitions determine eligibility. After a category reaches its annual cap, the remaining purchases in that category earn the 1% base rate.
1%: Other eligible purchases, as well as purchases in the categories above after their annual limits are reached. Cash advances, interest, fees, refunds, and other excluded transactions do not earn Cash Back Dollars.
Benefits & Insurance
- Visa Infinite Concierge
Available 24/7 to help with travel, shopping, and other cardholder requests. The cardholder pays for the goods or services arranged.
- Visa Infinite Luxury Hotel Collection
Receive benefits when booking through the collection, which includes more than 900 hotels worldwide, subject to Visa terms.
- Visa Infinite Dining Series
Access selected dining events and experiences, subject to current event and third-party terms.
- Visa Infinite Entertainment Access
Receive tickets and benefits for selected events across Canada, including selected Toronto International Film Festival® access or offers.
- Visa Infinite Troon Golf
Receive Silver Status at participating Troon Rewards courses and 10% discounts on green fees, merchandise, and lessons. The website lists more than 95 participating courses.
- Deluxe TD Auto Club membership
The card includes free Deluxe TD Auto Club membership and 24/7 Emergency Road Services, provided by an independent third party under the membership guide.
- Avis and Budget rental-car discounts
Rent at participating Avis and Budget locations with a Canadian TD credit card to receive at least 10% off base rates in Canada and the U.S., and at least 5% internationally. Discount codes, blackout dates, and other terms apply.
- TD Payment Plans
Eligible purchases of at least $100 can be converted into six-, 12-, or 18-month Payment Plans, subject to TD’s current terms.
Travel Insurance
- Auto Rental Collision/Loss Damage Insurance: Charge the full rental cost to the card and decline the rental company’s Collision Damage Waiver. Rentals cannot exceed 48 consecutive days.
- Travel Medical Insurance: Up to $2,000,000 for the first 10 days of a trip for travellers under 65, or the first four days for cardholders or spouses aged 65 or older. Top-up coverage may be available for longer trips.
- Delayed and Lost Baggage Insurance: Up to $1,000 per insured person for essential clothing, toiletries, and similar items when baggage is delayed more than six hours or lost.
- Emergency Travel Assistance Services: Phone assistance for personal emergencies while travelling. This is an assistance service, not insurance reimbursement.
Purchase Insurance
- Purchase Security and Extended Warranty Protection: Eligible new items fully charged to the card may be covered for theft or damage for 90 days, with extended warranty coverage subject to the cardholder agreement and insurance certificate.
- Mobile Device Insurance: Eligible devices may be covered up to $1,000 for loss, theft, accidental damage, or mechanical failure, subject to the certificate.
