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
TD Cash Back Visa Infinite* Card

Issuer: TD Canada Trust
Payment network: Visa
Type: Credit card
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】 Best-ever $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🔗 (applying through the blog’s referral link supports the site)

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 (MCC) and TD’s definitions determine eligibility. The annual period starts after the first statement cycle in January and runs through the January statement cycle the following year. After a category reaches its annual cap, remaining purchases in that category earn the 1% Base Earn Rate for the rest of the year.

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

Visa Infinite Concierge is available 24 hours a day, 7 days a week, to help with travel, shopping, and other cardholder requests. The cardholder pays for the goods or services themselves.

  • Visa Infinite Luxury Hotel Collection

Book stays through the Visa Infinite Luxury Hotel Collection for exclusive benefits. The collection includes more than 900 hotels worldwide; specific benefits follow Visa’s terms.

  • Visa Infinite Dining Series

You can join Visa Infinite Dining Series events. Specific events and third-party terms follow Visa’s current schedule.

  • Visa Infinite Entertainment Access

Get tickets and related benefits for selected events across Canada, plus exclusive Toronto International Film Festival® benefits, access, or offers.

  • Visa Infinite Troon Golf

Receive Silver Status at participating Troon Rewards courses, with 10% off 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 when you break down. An independent third party provides the service, subject to the membership guide.

  • Avis and Budget Rent A Car Discounts

Rent at participating Avis and Budget locations with a Canadian TD credit card for at least 10% off base rates in Canada and the United States, and at least 5% on international rentals. Discount codes, blackout dates, and other terms may apply.

  • TD Payment Plans

Eligible purchases of at least $100 can be converted into a 6-, 12-, or 18-month Payment Plan, subject to TD’s current plan terms.

Travel insurance

  • Auto Rental Collision/Loss Damage Insurance

Charge the entire rental to this card and decline the rental company’s Collision Damage Waiver to receive complimentary collision/loss coverage. Rentals cannot exceed 48 consecutive days. Exclusions follow the cardholder agreement.

  • Travel Medical Insurance

Before age 65, coverage is up to $2,000,000 for the first 10 days of a trip. When the cardholder or spouse is 65 or older, the first 4 days apply. Coverage includes conditions, limits, exclusions, and pre-existing-condition terms. Top-up coverage can be purchased for longer trips.

  • Delayed and Lost Baggage Insurance

If baggage is delayed more than 6 hours or lost, coverage is up to $1,000 per insured person for essentials such as clothing and toiletries. Eligibility and covered conditions follow the insurance certificate.

  • Emergency Travel Assistance Services

You can get phone assistance for a personal emergency while travelling. This is an assistance service, not an insurance payout. It is provided by TD Life Insurance Company’s service administrator.

Shopping insurance

  • Purchase Security and Extended Warranty Protection

Most eligible new items bought with this card may be covered for theft or damage for 90 days after purchase. The item must be charged in full to this card. Coverage and limits follow the cardholder agreement and insurance certificate.

  • Mobile Device Insurance

Eligible mobile devices may be covered up to $1,000 for loss, theft, accidental damage, or mechanical failure. Eligibility, deductibles, and exclusions follow the insurance certificate.