TD Cash Back Visa Infinite
Category cardWhat the roles mean
- Groceries, gas, transit and recurring bills: 3% cash back, first $15,000 a year in each
Welcome offer now
Earn 10% cash back for the first 3 months (on up to $3,500 in purchases) + first-year annual fee rebate + a free Deluxe TD Auto Club membership — "up to $600 in total value."
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
$509 back a year
After the $139 annual fee.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $15,000 a year, then 1%): 3% back.
- Gas / EV (First $15,000 a year, then 1%): 3% back.
- Transit (First $15,000 a year, then 1%): 3% back.
- Bills & subscriptions (First $15,000 a year, then 1%): 3% back.
- Everything else: 1% back.
Highlighted = use this card here.
How to apply for the TD Cash Back Visa Infinite
- Check you qualify Income: $60,000 personal or $100,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries: every grocery run
- Gas and EV charging: every fill-up
- Bills and streaming: anything set to charge the card automatically: phone, internet, insurance, streaming
- Public transit: 3% here
- Dining and everything else: use another card. This one pays only 1%
- Example: $800/month groceries + $250/month gas + $300/month bills = $486 a year back
Posts about this card
Key facts
- Annual fee
- $139
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- Cash back
Annual fee waiver
- TD All-Inclusive Banking Plan: $139 fee (and up to $75 on an additional card) rebated every year
- The catch: the plan costs $30.95/month ($22.45 at 60+) unless you keep $6,000 in it every day
- One card only: the plan rebates one TD card a year
- Worth it if you already keep $6,000 in TD chequing
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Best paired with
Rogers Red World Elite
- This card: groceries, gas / ev, bills & subscriptions, transit
- Rogers Red World Elite: dining & restaurants, travel, drugstore / pharmacy, entertainment, everything else
- Together: $635 a year after both fees, vs $509 with this card alone
- With this card's $139 fee rebated (see Fee waiver): $774 a year
- Rogers pays 2% with an active Rogers, Fido or Shaw service, 1.5% without
If your stores take Amex: Scotiabank Gold Amex for groceries, dining & restaurants, entertainment makes it $821 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- 3% in four categories, each with its own $15,000 a year cap
- Cash back, redeem any time from $25
- Year one: 10% back on the first $3,500 in 3 months (up to $350), fee rebated
- Deluxe TD Auto Club membership with the welcome offer
- $2 million travel medical and $1,000 phone insurance
Cons
- 1% on everything else, including dining
- $139 a year from year two (see fee waiver)
- In year one, each $15,000 cap shrinks by what you spend there in the first 3 months
- Travel medical covers only the first 10 days of a trip (4 days at 65+)
- No trip cancellation, interruption or flight delay insurance
- Needs $60,000 personal or $100,000 household income
- 2.5% on foreign-currency purchases
Insurance included
- Travel medical: $2 million, first 10 days under 65; 4 days at 65+
- Delayed or lost bags: $1,000 per person per trip, delay after 6 hours
- Rental car damage: up to 48 days
- Phone: $1,000, depreciated value less a deductible
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Not included: trip cancellation, trip interruption, flight delay, travel accident
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Deluxe TD Auto Club: included with the welcome offer
- Uber One: 6-month free trial
- Visa Infinite: concierge, hotel perks, dining events
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Cash Back Visa Infinite | 3% back | $288 | $139 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| TD Cash Back Visa Infinite | 3% back | $90 | $139 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: 10% cash back on first $3,500 of Bonus Eligible Purchases / 3 months (≈ $350) + fee rebate + Deluxe TD Auto Club. "Up to $600 in total value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated April 30, 2025; $139 fee, 21.99% purchases; $60k/$100k income | $139, rebated yr 1 (primary + first additional $50) | none stated |
| October 17, 2026 | Unchanged: 10% cash back on first $3,500 of Bonus Eligible Purchases / 3 months (≈ $350) + fee rebate + Deluxe TD Auto Club. "Up to $600 in total value."Offer still dated April 30, 2025. TD now values the Auto Club at $89 (was $61). Purchase rate on page is 21.99% (doc had 20.99%) | $139, rebated yr 1 (primary + first additional $50) | none stated |
| September 7, 2026 | Same offer. TD's own split of the $600: $350 cash + $189 fee rebate + $61 Auto Club.Page dates the offer April 30, 2025; Auto Club valued $61 (was ~$89) | $139, rebated yr 1 (primary + first additional) | none stated |
| July 31, 2026 | Unchanged (full audit) | $139, rebated yr 1 | — |
| June 14, 2026 | 10% cash back on first $3,500 of Bonus Eligible Purchases / 3 months (≈ $350) + fee rebate + Deluxe TD Auto Club (~$89). "Up to $600 in total value." | $139, rebated yr 1 (primary + first additional $50) | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.