TD Cash Back Visa Infinite
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The TD Cash Back Visa Infinite* Card is perfect for individuals looking to maximize cash back rewards on everyday purchases like groceries, gas, and recurring bill payments. In addition to generous cash back rewards, this card provides a range of travel and automotive benefits, including comprehensive insurance coverage and concierge services, ensuring convenience and peace of mind wherever you go.
Welcome Offer
Earn up to $500 in value with the TD Cash Back Visa Infinite* Card! Enjoy 10% in Cash Back Dollars on up to $3,500 in purchases during your first three months. Plus, benefit from an annual fee rebate for the first year. Don’t miss out—this offer ends on January 6, 2025.
Summary
This credit card has an annual fee of $139, which is waived for the first year, allowing you to enjoy its benefits at no initial cost. The interest rate on purchases is 20.99%, and for cash advances, it’s 22.99%. If you need additional cards, there’s a $50 fee for the first additional cardholder, while subsequent cards are free. This structure offers a cost-effective way to add multiple users while taking advantage of a first-year fee waiver.
Rewards
With this credit card, you can earn 3% cash back on eligible grocery, gas, and recurring bill payments, making everyday expenses more rewarding. For all other purchases, you’ll earn 1% cash back. Additionally, your cash back dollars never expire, allowing you to accumulate and redeem your rewards at your convenience. This card provides a straightforward way to earn cash back on a variety of purchases, helping you maximize your savings.
Benefits
This credit card includes a complimentary Visa Infinite Concierge service, offering personalized assistance for your needs. You’ll also enjoy Visa Infinite privileges, such as luxury hotel benefits and exclusive dining experiences. Additionally, the card provides a Deluxe TD Auto Club Membership, offering enhanced roadside assistance and travel benefits. For added savings, you get discounts on car rentals from Avis and Budget. These perks make the card an excellent choice for those who appreciate premium services and travel benefits.
Insurance
- Travel Medical Insurance
- Delayed and Lost Baggage Insurance
- Auto Rental Collision/Loss Damage Insurance
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
Editor’s Review
TD Cash Back Visa Infinite* Card Review
The TD Cash Back Visa Infinite Card is an excellent choice for individuals seeking to maximize cash back rewards on everyday purchases while enjoying a range of premium benefits and comprehensive insurance coverage. Here’s a detailed review of the card’s features, fees, and benefits.
Interest Rates
- Purchases: 20.99%
- Cash Advances: 22.99%
Rewards Program
- Earnings:
- 3% cash back on eligible grocery, gas, and recurring bill payments
- 1% cash back on all other purchases
- Redemption: Cash back dollars never expire and can be redeemed at your convenience
Fees
- Annual Fee: $139 (waived for the first year)
- Supplementary Card Fee: $50 for the first cardholder; subsequent cards are free
Benefits
- Visa Infinite Concierge Service: Personalized assistance for your needs
- Visa Infinite Privileges: Luxury hotel benefits and exclusive dining experiences
- Deluxe TD Auto Club Membership: Enhanced roadside assistance and travel benefits
- Car Rental Discounts: Savings with Avis and Budget
- Welcome Offer: Earn up to $500 in value with 10% cash back on up to $3,500 in purchases during the first three months, plus an annual fee rebate for the first year
Insurance Coverage
- Travel Medical Insurance
- Delayed and Lost Baggage Insurance
- Auto Rental Collision/Loss Damage Insurance
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
General Card Overview
The TD Cash Back Visa Infinite Card offers substantial cash back rewards on essential purchases, alongside premium travel and automotive benefits. With a first-year annual fee waiver and a lucrative welcome offer, this card is designed to provide significant value to cardholders.
Pros and Cons
Pros:
- Generous 3% cash back on groceries, gas, and recurring bill payments
- Comprehensive travel and automotive benefits
- First-year annual fee waived
- Cash back dollars never expire
- Deluxe TD Auto Club Membership included
- Lucrative welcome offer (up to $500 value)
Cons:
- High-interest rates on purchases and cash advances
- $50 fee for the first supplementary card
Who is this card for?
This card is perfect for:
- Individuals who spend significantly on groceries, gas, and recurring bill payments
- Those who appreciate premium travel and automotive benefits
- Cardholders looking for a straightforward cash back program
- Users seeking comprehensive insurance coverage
Comparison with Similar Cards
| Feature | TD Cash Back Visa Infinite | Scotiabank Momentum Visa Infinite | CIBC Dividend® Visa Infinite |
|---|---|---|---|
| Annual Fee | $139 (waived first year) | $120 (waived first year) | $120 (waived first year) |
| Cash Back | Up to 3% | Up to 4% | Up to 4% |
| Welcome Offer | Up to $500 value | Up to $350 value | Up to $300 value |
| Travel & Automotive Benefits | Comprehensive | Moderate | Moderate |
| Insurance Coverage | Extensive | Extensive | Extensive |
Final Verdict
The TD Cash Back Visa Infinite Card excels in providing generous cash back rewards on everyday purchases and a range of premium benefits that cater to frequent travelers and car owners. Its comprehensive insurance coverage and welcome offer add to its appeal, making it a strong contender in the cash back card market. Overall, this card scores a 9 out of 10 for its excellent rewards, premium benefits, and comprehensive coverage.
Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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