TD Cash Back Visa Infinite* Card

Flytrippers opinion: One of the highest cash back welcome bonus ever seen in Canada.
Flytrippers Valuation
of Welcome bonus (net value)
ends March 4th

via TD secure application link
$ 350

Rewards: $350

Card annual fee: $0 $139

Earn cash back
more simple rewards
Get 10% back with welcome bonus

• $350 as simple
cash back
 
 
How to unlock bonus
spend $3,500
in 3 months

Interest rates:
Purchases: 20.99%
Cash advances: 22.99%
Cash advances (QC): 20.99%
Card eligibility
min. income: $60k
OR $100k household

Welcome bonus eligibility
must not have activated/closed this card in past 12 months
Terms and conditions apply. Flytrippers editorial opinion only. TD is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel for less.

Summary of Flytrippers' review

WHY GET THIS CARD

  • The good welcome bonus of $350
  • The flexibility of rewards that are more simple, cash back
  • The good insurance coverage
  • The good multiplier earn rate
  • The fact there’s no annual fee the 1st year

WHO SHOULD GET THIS CARD

  • Those who want simple cash back that’s way less valuable than travel rewards but gives more flexibility
  • Those who want a rare multiplier earn rate on recurring bill payments
  • Those who want no annual fee the 1st year (even though the total value is always what you should look at)

Card details

Earn up to $500 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Account must be approved by March 4, 2024.

  • Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made†.
  • Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by March 5, 2024.

  • Earn Cash Back Dollars on every eligible purchase.
  • Emergency Road Services with Deluxe TD Auto Club Membership†
  • Complimentary Visa Infinite* Concierge service† available 24/7
  • Mobile Device Insurance†
  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases†, and on regularly recurring bill payments† set up on your account
  • Earn 1% Cash Back Dollars on all other Purchases made with your Card†
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!†
  • Your Cash Back Dollars never expire as long as your account is open and in good standing

†Terms and conditions apply.

Welcome bonus structure
(LIMITED-TIME OFFER — ends March 4, 2024)

10% in cash back Bonus on spending of $3,500 on grocery, gas, and recurring bill purchases (in a maximum of 3 months)

$350 in cash back Total with the bonus

Earn on the minimum spending requirement

No base cash back Bonus earn rate is instead of the regular earn rate, not in addition to the regular earn rate

Total rewards by unlocking the welcome bonus

$350 in cash back Welcome bonus + earn on the minimum spending requirement to unlock it

Apply for the TD Cash Back Visa Infinite* Card

Flytrippers Valuation of the welcome bonus

$350 Welcome bonus
–$0 Card fee (no annual fee the 1st year)

$350 Total net value by unlocking the welcome bonus alone

Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

10.0% Return on the minimum spending requirement ($350 on $3,500 in 3 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$350 Rewards you get for $0

Apply for the TD Cash Back Visa Infinite* Card

Rewards from welcome bonus

You will have $350 as TD cash back after unlocking the welcome bonus.

That gives you:

  • $350 in free travel at the Flytrippers Valuation

Concrete examples of redemptions

Here is the actual redemption you can get with these rewards:

$350 in very simple cash back and statement credit

‣Learn more about the best uses of TD cash back (coming soon)

Expiry
TD cash back doesn’t expire as long as you have your card.

Learn more about TD cash back expiry (coming soon)

Pooling
You cannot pool your cash back with travel companions.

Learn more about pooling rewards (coming soon)

Logistics
Your cash back will be applied automatically.

Learn more about how to get started with TD cash back (coming soon)

Rewards program summary
Rewards: Cash back
Source: Bank rewards
Type: More simple
Flytrippers Valuation: 1¢
Minimum value: 1¢
Maximum value: 1¢
Transferable: No

Learn more about rewards programs basics (coming soon)

Earn rates

3% cash back per $:

  • Grocery purchases (and indirectly at all retailers offering gift cards at the grocery store)
  • Gas purchases
  • Regularly recurring bill payments† set up on your account

1% cash back per $:

  • All other eligible purchases

‣Learn more about credit card earn rates (coming soon)

Earning with additional cards

Fee for additional cards: $50
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

Access to the TD Lounge at Toronto Union Station
Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣Learn more about the TD Lounge at Union Station (coming soon)

Visa Infinite Dining and Wine Country program
You get access to exclusive expensive gourmet experiences.

‣Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access
You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣Learn more about the Visa Infinite Entertainment Access program (coming soon)

Visa Infinite Hotel Collection
You get exclusive perks at some expensive luxury hotels.

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

Complimentary Visa Infinite Concierge
You get the Visa Infinite Concierge on-call 24 hours a day, seven days a week, to help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. 

‣Learn more about the Visa Infinite Concierge program (coming soon)

Visa Infinite Troon Golf
Receive elevated Troon Rewards Silver Status at over 95 courses and 10% off on green fees, merchandise, and lessons at participating Troon Rewards golf courses.

‣Learn more about the Visa Infinite Troon Golf program (coming soon)

Insurance included

Medical travel insurance 10 days (64 years and under)
Medical travel insurance 4 days (65 years and over)
Flight delay insurance
Baggage delay insurance
Rental car insurance
Purchase insurance
Extended warranty
Mobile device insurance

‣Learn more about the TD Cash Back Visa Infinite* Card’ insurance coverage (coming soon)

Insurance not included

Lost or stolen luggage insurance
Hotel burglary insurance
Travel accident insurance
Travel cancelation insurance
Trip interruption insurance

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility
Minimum income: $60,000 (personal) OR $100,000 (household)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: Equifax Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have activated or closed this specific card in the past 12 months

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Offer ends March 4, 2024

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: TD Bank Canada
Network: Visa
Card type: Credit card
Product type: Personal card

‣Learn more about credit card types (coming soon)

Fees and rates
Card fee: $139 (no annual fee the 1st year)
Fee for additional card: $50
FX fee: 2.5%
Purchases annual interest rate: 20.99%
Funds advance annual interest rate: 22.99% (20.99% for Québec residents)
Balance transfer fee: N/A

Learn more about why Flytrippers recommends ignoring fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

Share this post to help us help more people travel more for less: