When it comes to choosing the right credit card, benefits and value matter more than ever. The TD Cash Back Visa Infinite Card* stands out as a powerful tool for those who want to maximize their everyday spending without compromising on perks. Whether you’re fueling up at the pump, shopping for groceries, or simply managing your monthly bills, this card offers more than just convenience.
This article explores everything you need to know about the TD Cash Back Visa Infinite* Card. From its compelling features and earning potential to travel benefits and purchase protection, we’ll guide you through why this card deserves a spot in your wallet. If you’re on the fence about which cash back card best suits your lifestyle, keep reading.
Earn more where it matters most
The TD Cash Back Visa Infinite* Card offers a competitive earn rate tailored to key spending categories. With 3% cash back on gas, groceries, and recurring bill payments, cardholders can rack up rewards faster than with standard cards. These high-earning categories cover a significant portion of typical monthly expenses.
In addition to these top-tier categories, you’ll earn 1% cash back on all other purchases. This ensures that every dollar you spend still contributes to your rewards, even outside your usual routines. Plus, there are no limits on how much total cash back you can earn, so your rewards can grow as your spending does.
Redeem rewards without restrictions
One of the most appealing features of the TD Cash Back Visa Infinite* Card is the flexibility in redemption. Unlike some programs that limit when and how you can use your rewards, this card allows you to redeem your cash back at any time. Once you reach a minimum of $25, you can apply your rewards directly to your account as a statement credit.
This freedom gives cardholders more control over their finances. Whether you’re planning a large purchase, tackling debt, or simply offsetting monthly costs, the ability to access your rewards on your own schedule adds valuable flexibility to your financial strategy.
Exclusive perks for frequent travelers
Beyond everyday cash back, the TD Cash Back Visa Infinite* Card also comes with premium travel benefits. Cardholders gain access to Visa Infinite privileges, including travel medical insurance for trips up to 10 days and coverage up to $2 million. This can be a significant advantage for those who travel frequently, as it removes the need for purchasing separate insurance plans.
You’ll also receive Deluxe TD Auto Club Membership, which offers comprehensive roadside assistance across Canada and the U.S. This benefit alone adds peace of mind whenever you hit the road, making the card a reliable companion both at home and abroad.
Safety, protection, and convenience
Security is another critical area where the TD Cash Back Visa Infinite* Card shines. It includes purchase security and extended warranty protection, covering most new items against loss, theft, or damage for 90 days from the date of purchase. The extended warranty feature doubles the manufacturer’s warranty up to one additional year.
Additionally, the card offers fraud protection tools like real-time alerts, zero liability, and chip-and-PIN technology. These layers of security help ensure your information and your purchases stay protected, giving you confidence every time you tap, insert, or swipe your card.
Enjoy premium lifestyle access
Aside from financial benefits, cardholders can enjoy access to Visa Infinite Concierge, a service that acts like a personal assistant for your busy lifestyle. Whether you need help booking reservations, planning travel, or finding tickets to popular events, the concierge service is available 24/7 to assist with your needs.
You’ll also be invited to exclusive events and experiences, thanks to your Visa Infinite status. From dining experiences with top chefs to advance access to concerts and shows, your card opens the door to a world of premium entertainment and leisure opportunities.
Fees, interest rates, and requirements
The TD Cash Back Visa Infinite* Card does carry an annual fee of $139, which is waived for the first year as part of the welcome offer. This initial fee waiver gives new cardholders a chance to test-drive the benefits before making a long-term commitment. The standard purchase interest rate is 20.99%, and cash advances are charged at 22.99%. Applicants must have a minimum annual personal income of $60,000 or a household income of $100,000 to qualify.
Who should get the TD Cash Back Visa Infinite* Card?
If your monthly budget includes regular spending on groceries, gas, and bills, the TD Cash Back Visa Infinite* Card can quickly become one of your best financial tools. Its robust cash back structure rewards you for spending in the places you already frequent, turning everyday costs into valuable returns over time.
Frequent travelers will also benefit greatly from the built-in insurance and auto club features. If you’re someone who enjoys convenience, lifestyle perks, and year-round savings, this card is an excellent match. The blend of utility, luxury, and protection makes it ideal for financially responsible users who want to make every dollar count.
How it compares to other cards
Compared to other cash back cards on the market, the TD Cash Back Visa Infinite* Card offers one of the highest reward rates for essential expenses. Many cards cap their cash back or limit redemptions to specific times of year. Additionally, few cards offer the same combination of travel perks, insurance coverage, and everyday usability. While the annual fee may seem high at first glance, the potential savings in rewards and benefits often outweigh the cost.
Tips for maximizing your rewards
These habits will not only increase your reward earnings but also help you enjoy the full range of benefits the card has to offer. To truly maximize your experience with the TD Cash Back Visa Infinite* Card, it’s essential to adopt a few smart spending strategies and take full advantage of its built-in features. To make the most of your TD Cash Back Visa Infinite* Card, follow a few strategic tips:
- Use the card for all eligible gas, grocery, and recurring payments to maximize the 3% reward rate.
- Set up automatic payments for monthly bills like phone, internet, and streaming services.
- Redeem your cash back regularly to stay engaged with your account and manage your balance.
- Take advantage of the Visa Infinite perks, including the concierge and exclusive event invitations.
Final thoughts
Choosing a credit card isn’t just about collecting points — it’s about finding a product that aligns with your lifestyle and spending habits. The TD Cash Back Visa Infinite Card* offers a balanced mix of rewards, protection, and exclusive benefits that cater to both everyday needs and aspirational experiences.
From flexible redemption to comprehensive travel coverage and lifestyle perks, this card goes beyond the basics. For those who value efficiency, security, and a touch of luxury, it’s a top-tier choice worth considering. Whether you’re managing household expenses or exploring new destinations, this card delivers more with every swipe.
