TD Cash Back Visa Infinite Review – 2025

Why we like the TD Cash Back Visa Infinite Card

There are two kinds of “cash-back people.” The first kind wants the absolute highest headline percentage and is willing to run three cards, track caps, and route every purchase like an air-traffic controller. The second kind wants one card that covers 80–90% of life with strong returns, and they’d rather spend their time doing literally anything else. This TD card is for the second kind.

What makes it work is the category selection. TD doesn’t just throw a grocery bonus on the card and call it a day — it also boosts gas/EV charging, public transit, recurring bills, and even streaming/digital media. In other words, it targets the predictable “set-and-forget” expenses that most people can route through a credit card without changing their behaviour. If you’re someone who pays your bills on autopay, drives (or commutes), and has the usual streaming stack, the earn potential can be genuinely strong.

Then there’s the underrated value: the perks you actually feel. Roadside assistance is one of those benefits that sounds boring until it saves your evening, and mobile device insurance can turn a cracked-screen disaster into a mild annoyance. Add Visa Infinite concierge and the overall package starts feeling less like “just a cash-back card” and more like a premium daily driver.

Finally, the welcome offer can be a big deal if you time it right. A 10% earn rate for three months (capped) is the kind of promo that rewards normal life stuff — groceries, gas, bills — without requiring you to manufacture spending. It’s the rare offer that can be maximized without doing anything weird.

Rewards program

TD’s cash-back system uses Cash Back Dollars, which function like cash back that you can apply to your account. The structure is simple: you earn a higher rate in specific everyday categories, and a base rate on everything else. Where this card really shines is that the “bonus buckets” are broad and practical — it’s not just groceries, it’s also the routine, almost unavoidable expenses that quietly add up month after month.

The most important detail is the caps. Each 3% category is generally limited to a certain amount of annual spend (a category cap), and after you hit it, your earn rate drops to the base rate on additional spending in that category. For many households, the caps are generous enough that you’ll earn 3% all year without thinking about it. For heavy spenders (especially big families), it’s something you’ll want to keep an eye on — not because it’s a dealbreaker, but because it helps you decide whether you need a “second card” strategy.

• Groceries: 3% in Cash Back Dollars (up to an annual category cap).
• Gas & EV charging: 3% in Cash Back Dollars (up to an annual category cap).
• Public transit: 3% in Cash Back Dollars (up to an annual category cap).
• Recurring bills + streaming/digital gaming/media: 3% in Cash Back Dollars (up to an annual category cap).
• All other purchases: 1% in Cash Back Dollars.
• Welcome offer: 10% in Cash Back Dollars for the first 3 months on eligible bonus categories up to $3,500 total spend, plus a first-year annual fee rebate (conditions apply).
• Redemption: redeem Cash Back Dollars anytime (minimum $1).

How to maximize rewards

1. Use the welcome window intentionally.
   The 10% promo is capped, so the play is to route as much “bonus eligible” spending as possible through the card in the first three months: groceries, fuel/EV charging, transit passes, recurring bills, and your streaming stack. Don’t buy things you don’t need — just time the spending you’d do anyway.
2. Set recurring bills on autopay.
   This is the easiest “high value, low effort” move. Phone, internet, utilities, insurance, subscriptions — once they’re set, you’re earning without thinking. Just make sure the merchant processes it as a recurring bill payment (some one-off “manual” payments don’t qualify).
3. Make groceries and gas/EV charging your default.
   If you’re a household that drives regularly or does weekly grocery runs, this is where the card earns its keep. Put the basics here and let the return accumulate.
4. Track caps once or twice a year (not weekly).
   You don’t need to obsess — just do a quick check mid-year and near year-end. If you’re close to a category cap, that’s your signal to switch incremental spend to a secondary card that performs better after caps.
5. Pair it with a no-FX card if you travel.
   The TD Cash Back Visa Infinite is a strong Canadian spending engine. For foreign purchases, a no-FX alternative can keep your cash back from getting eaten by fees.
6. Actually use the roadside assistance benefit.
   If you already pay for roadside coverage elsewhere, compare what you’re getting. For some people, the included Deluxe membership can replace a paid plan — which effectively reduces the card’s “real” annual fee.

Insurance & benefits

Rates & fees

Best for

• 🛒 Households with meaningful grocery spending who want strong, predictable cash back.
• ⛽ Drivers (or EV owners) who regularly spend on fuel or charging.
• 🧾 People with lots of recurring bills who want to earn cash back on autopay.
• 📺 Anyone paying for streaming/digital subscriptions and wanting them to “count” as bonus spend.
• 🚗 Canadians who value roadside assistance and would otherwise pay for it separately.
• 🎯 Applicants who can leverage the 10% welcome period responsibly with normal spending.

Where it falls short

• If your spending doesn’t align with the bonus categories, you may not earn enough to justify the annual fee.
• Annual caps mean very high spenders can “outgrow” the 3% rate and end up earning mostly 1% later in the year.
• Foreign transaction fees apply, so it’s not the best card for frequent international spending.
• Income requirements can exclude some applicants even if their credit is strong.
• Category bonuses depend on merchant coding — a purchase you think is “grocery” isn’t always coded that way.

Customer reviews

Community insights

In Canadian credit card communities, the TD Cash Back Visa Infinite tends to get recommended in two situations. First: as a “family default card,” where groceries, gas, bills and subscriptions are heavy and consistent. Second: as a “premium one-card setup” for people who want cash back plus practical perks (roadside and mobile device coverage) without getting into travel-point strategies.

The most common strategy is pairing it with one other card. The pairing usually looks like this: TD handles Canadian everyday spend where the 3% applies, and a no-FX or travel card handles foreign purchases. People who do that often report the card feels very “complete,” because it covers most real spending while keeping the wallet simple.

AI review (straight talk)

This card is excellent when your life fits its categories — and honestly, a lot of Canadian lives do. Groceries, commuting, recurring bills, streaming, gas/EV charging: that’s basically a monthly budget in five words. If you use it as your default card for those expenses, the returns can be strong enough that the annual fee stops feeling like a fee and starts feeling like the cost of a better tool.

The “but” is important: if you don’t naturally spend in those buckets, or you prefer a simple flat rate everywhere, you can do better with a lower-fee or no-fee alternative. Think of this TD card as a high-performing everyday engine — not a universal solution for every spender.

Alternatives & comparison

FAQ

What is the annual fee for the TD Cash Back Visa Infinite Card?

The annual fee is $139 for the primary cardholder. The first additional cardholder is typically $50, with subsequent additional cards often $0, depending on TD’s current pricing.

What is the current welcome offer?

The offer can change, but the current headline promo includes 10% in Cash Back Dollars for the first 3 months on eligible bonus categories up to $3,500 total spend, plus a first-year annual fee rebate (conditions apply).

What purchases earn 3% cash back?

Eligible categories commonly include groceries, gas & EV charging, public transit, recurring bill payments, and streaming/digital gaming/media. Category qualification depends on merchant classification and program terms.

Are there caps on the 3% categories?

Yes. The 3% earn rate is typically limited by annual category caps. After you reach a cap in a category, additional purchases in that category generally earn at the base rate.

How do Cash Back Dollars work?

Cash Back Dollars are TD’s cash-back currency. You earn them on eligible purchases and can typically redeem them against your account balance once you’ve earned at least $1.

Does the card include roadside assistance?

Yes. This card includes 24/7 emergency roadside assistance through a Deluxe TD Auto Club membership (subject to the program’s terms and service coverage).

Is this a good card for travel?

It can be a great travel “backup” because of Visa acceptance and included protections, but it’s not a no-FX card. If you travel frequently, pairing it with a no-FX option can improve overall value.

Who should get the TD Cash Back Visa Infinite Card?

It’s best for Canadians who spend consistently in groceries, gas/EV charging, transit, recurring bills, and streaming — and who want premium practical perks like roadside assistance and mobile device coverage.

Final verdict & ratings

Our take The TD Cash Back Visa Infinite is one of the most “complete” everyday cash-back cards in Canada — not because it has the highest single earn rate, but because the categories map cleanly to how people actually spend. When you add in roadside assistance and mobile device insurance, it becomes the kind of card that quietly earns its keep month after month.

The key question is fit. If you’re spending heavily in the 3% categories and you’ll use the perks, it’s easy to justify the annual fee — especially in year one when the welcome offer is strong. If your spending doesn’t align, you’re better off with a simpler flat-rate card or a cheaper alternative. For the right household, though, this is a genuine “set it and forget it” winner.