TD Cashback Visa Infinite
Issued by TD Canada Trust, the TD CashBack Visa Infinite Card is a premium rewards card that offers cash back instead of points — making it easy to save on your monthly bills. Designed for families, professionals, and everyday spenders, it’s ideal for those who want high returns in practical spending categories and built-in travel and purchase protection.
Top Features of the TD CashBack Visa Infinite Card
- 3% cash back on eligible: Groceries, Gas purchases and Recurring bill payments (e.g. phone, streaming, insurance)
- 1% cash back on all other eligible purchases
- Welcome offer: 10% cash back on all eligible purchases for the first 3 months (up to $1,000 in spend) + first-year annual fee rebate (limited-time offer)
- Redeem cash back anytime through TD EasyWeb or the TD mobile app (no annual redemption cycle)
- Visa Infinite benefits, such as 24/7 concierge service and exclusive hotel offers
- Annual fee: $139 (rebated in year one for new applicants)
- Additional cards: $50 each
Why Choose the TD Cash Back Visa Infinite Card?
With strong cash back rates on everyday categories, flexible redemptions, and robust insurance, this card is a powerful tool for Canadians looking to save money without changing their spending habits. Add Visa Infinite travel perks and first-year savings, and it’s a top contender in Canada’s cash back card market.
TD CashBack Visa Infinite vs. Competitors
Here’s how it compares with other popular Canadian cash back cards:
| Card | Cash Back Categories | Welcome Offer | Annual Fee | Notable Perks |
|---|---|---|---|---|
| TD CashBack Visa Infinite | 3% on gas, groceries, bills | 10% for 3 months + fee rebate | $139 (rebated 1st year) | Visa Infinite benefits, flexible redemption |
| Scotia Momentum Visa Infinite | 4% on groceries and bills | 10% for 3 months + fee rebate | $120 | Mobile device insurance, strong bill coverage |
| CIBC Dividend Visa Infinite | 4% on gas and groceries | 10% for 4 months | $120 (first year free) | Event ticket access via Visa Infinite |
| Simplii Financial Cash Back Visa | 4% on restaurants, 1.5% on groceries | N/A | $0 | No annual fee, good restaurant rewards |
While the Scotia and CIBC cards offer slightly higher rates in some categories, the TD card stands out for its consistent 3% across multiple useful categories and on-demand redemption through their digital platforms.
Why Cash Back Over Points?
Not everyone wants to juggle complicated travel programs or blackout dates. Cash back:
- Offers immediate value you can apply toward your balance;
- Has no restrictions on how or where you spend your rewards;
- Is ideal for people who don’t travel frequently or prefer savings on bills.
The TD CashBack Visa Infinite is a great example of a “set-it-and-forget-it” rewards card: automatic, practical, and low-maintenance.
Who Is This Card Ideal For?
The TD CashBack Visa Infinite Card is designed for:
- Families who regularly spend on groceries, gas, and recurring bills;
- Working professionals who want simple, automatic savings;
- Commuters and drivers, thanks to strong gas rewards;
- Budget-conscious spenders who prefer cash back over travel points;
- People who value convenient redemption with no blackout dates or restrictions.
If you want to earn while spending on essentials and enjoy Visa Infinite benefits along the way, this card is likely a great fit.
Final Thoughts
The TD CashBack Visa Infinite Card is a smart choice for Canadians who want to earn strong rewards on everyday spending without complicated point systems. With 3% cash back on essentials like groceries, gas, and bills — plus flexible redemption and premium Visa Infinite perks — it combines value and convenience in one card. The generous welcome offer and first-year fee rebate make it even more attractive for new users. Whether you’re a busy parent, commuter, or just someone who wants to save on monthly expenses, this card is a practical solution to maximize returns on the things you already buy.
