Illustration, not the actual card design.
TD · Cash back
TD Cash Back Visa Infinite
Annual fee
$139 · waived year one
Welcome offer
Up to $350 back
Market
Canada · CAD
Biggest part of the offer: Get 10% back on groceries, gas, EV charging, transit, recurring bills and streaming in your first 3 months, up to $350.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$350
+$350 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
−$139
Costs $139 a year until your spending covers it.
Every year after
−$139
Costs $139 a year until your spending covers it.
Plus 12 benefits with no fixed dollar value, like Roadside Assistance, Visa Infinite Concierge and Visa Infinite Dining Series. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Not available if you activated or closed a TD Cash Back Visa Infinite account in the last 12 months. If the card isn't activated while this offer runs, TD may switch you to whichever offer is current when you activate. The first-year fee rebate needs the card activated and a first purchase within 3 months of opening.
- 1Get 10% back on groceries, gas, EV charging, transit, recurring bills and streaming in your first 3 months, up to $350$350 backYear 1
- First-year annual fee waived$139savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Cash back, straight onto your statement.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Gas & FuelUp to $15,000/yr of spend | 3% back | 3¢ |
| TransitUp to $15,000/yr of spend | 3% back | 3¢ |
| Recurring BillsUp to $15,000/yr of spend | 3% back | 3¢ |
| GroceriesUp to $15,000/yr of spend | 3% back | 3¢ |
| StreamingUp to $15,000/yr of spend | 3% back | 3¢ |
| Everything else | 1% back | 1¢ |
What else you get
Perks · 6
- Roadside Assistance
24-hour roadside help: towing, battery boost, lockout and fuel delivery at no charge
- Visa Infinite Concierge
24/7 concierge for travel, dining and events
- Visa Infinite Dining Series
Access to Visa Infinite dining events
- Visa Infinite Entertainment Access
Access to ticketed entertainment and presales
Show all 6Show fewer
- Visa Infinite Luxury Hotel Collection
Best rate guarantee, upgrade when available and breakfast at 900+ hotels booked through the collection
- Visa Infinite Troon Golf
Troon Rewards Silver status at participating golf courses
Insurance · 6
- Emergency Medical Insurance
Out-of-province emergency medical, up to $2,000,000, first 10 days of a trip under 65, 4 days if 65 or over
- Delayed and Lost Baggage Insurance
Essentials when checked bags are delayed 6+ hours or lost, up to $1,000 per person per trip
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
- Mobile Device Insurance
Phone lost, stolen, damaged or broken, up to $1,000 of depreciated value
Show all 6Show fewer
- Purchase Protection
Most new items protected if stolen or damaged within 90 days of purchase
- Extended Warranty
Doubles a Canadian manufacturer's warranty, up to 1 extra year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by TD. Card and program names belong to their owners.
Details last checked Sep 28, 2026.