TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite Card offers a premium welcome bonus and an annual fee rebate in the first year, making it an attractive option for cash-back enthusiasts.

Last checked on September 20, 2026. We may earn a commission when you click through.

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✓ 10% cash back on eligible purchases for the first 3 months ✓ Up to $600 in total value with the welcome offer ✓ No foreign transaction fees
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TD Cash Back Visa Infinite Card

Visa · cashback

Our Verdict

This card is excellent for those looking to maximize cash back on their spending, especially with the 10% cash back on eligible purchases in the first three months. However, the high annual fee and APR may deter users who carry a balance.

What it really costs

Annual feeFirst-year annual fee rebate is currently advertised. CA$139
APR Range 21.99% – 22.99%
Welcome bonusUp to C$600 in total value per issuer offer. CA$600

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Who it's for

This card is suitable for Canadian consumers with good credit who frequently spend on eligible purchases and can pay off their balance each month.

Watch out

The card's high APR can lead to significant interest charges if balances are carried over month to month.

The good and the not so good

  • 10% cash back on eligible purchases for the first 3 months
  • Up to $600 in total value with the welcome offer
  • No foreign transaction fees
  • Annual fee rebate in the first year
  • Visa Infinite benefits like travel insurance
  • Annual fee of $139 after the first year
  • High interest rates at 21.99% - 22.99%
  • Requires good credit for approval
  • Limited cash back categories compared to some competitors
  • Additional cardholder fee applies

In-Depth Review

Our editorial team finds the TD Cash Back Visa Infinite Card for those who make a lot of bonus eligible purchases. With **10% cash back** on the first $3,500 spent in the initial three months, cardholders can quickly rack up rewards. However, after the first year, the **annual fee of $139** can be steep if the cash back doesn’t offset it. The **high-interest rates** of **21.99% to 22.99%** mean this card isn't might carry a balance. If you're a frequent traveler, the Visa Infinite benefits like travel insurance add value, but the card's cash back categories may not compete with others that offer higher rewards for specific spending categories. Approval generally requires a good credit score, which can limit access for some. Notably, there is a **$50 fee** for the first additional cardholder, which can add up depending on your family’s needs. Overall, this card works well for those who can pay off balances in full each month and want to take advantage of the cash back offer.

Summary

The TD Cash Back Visa Infinite Card offers a welcome bonus of up to $600 and 10% cash back on eligible purchases for the first three months, with an annual fee of $139.

What cardholders say

Cardholders appreciate the cash back rewards during the first few months but express concerns over the high annual fee and interest rates.

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