TD Cash Back Visa Infinite^* Card

Offer structure

• 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

(Limited-time offer — Ends January 6, 2025)

‣ Apply for the TD Cash Back Visa Infinite^* Card

Total rewards by unlocking the welcome bonus

• $350 in cash back Welcome bonus
• $0 in cash back Earn on the minimum spend (bonus earn rate is instead of the regular earn rate, not in addition to the regular earn rate)

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

‣ Apply for the TD Cash Back Visa Infinite^* Card

Net value

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

$350 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

10.0% Return on the minimum spending requirement of $3,500 in 3 months

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

$350 Rewards you get for $0 in fees paid

‣ Apply for the TD Cash Back Visa Infinite^* Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the $350 in TD cash back you get by unlocking the welcome bonus:

• $350 Cash back

‣ Details about using TD cash back (coming soon)

Redemptions for cash back

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD cash back is really as simple as rewards can be, as you can use it to simply erase any charge on your card.

Redeem your $350 in TD cash back for:

• $10 Discount of $10 on your card statement
• $100 Discount of $100 on your card statement
• $350 Discount of $350 on your card statement

‣ Details about using TD cash back (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.

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

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

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

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

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

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

‣ Details about the Visa Infinite Hotel Collection (coming soon)

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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. 

‣ Details about the Visa Infinite Concierge program (coming soon)

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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.

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

Insurance included

• Medical travel insurance for age 64 and under (10 days)^†
• Medical travel insurance for age 65 and over (4 days)^†
• Flight delay insurance^†
• Baggage delay insurance^†
• Rental car insurance^†
• Extended warranty^†
• Purchase insurance^†
• Mobile device insurance^†

‣ Details about the insurance coverage included with the card (coming soon)

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Insurance not included (among the main types)

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

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

Earn rates

3% cash back per $:

• Grocery purchases^†
• Indirectly at all retailers from the gift cards displays in grocery stores^†
• Gas purchases^†
• Regularly recurring bill payments^† set up on your account

1% cash back per $:

• All other eligible purchases^†

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool TD cash back with additional cards (“joint” cards) added to this account. Additional cards have a fee of $50 (rebated in the 1^st year)^†.

‣ Details about pooling rewards with additional cards (coming soon)

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Pooling (with separate cards that earn TD cash back)
You cannot pool cash back across your separate cards that earn TD cash back. But the rewards are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling rewards from separate cards (coming soon)

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Pooling (with travel companions)
You cannot pool cash back with travel companions. But the rewards are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling rewards with travel companions (coming soon)

Expiration (if you have the card)
TD cash back never expires as long as you have the TD Cash Back Visa Infinite^* Card!

‣ Details about TD cash back expiration (coming soon)

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Expiration (if you don’t have the card)
You have 2 options to easily keep your TD cash back from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Redeem cash back easily before closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the TD Cash Back Visa Infinite^* Card
• Spend $3,500 in the bonus categories (in a maximum of 3 months) to unlock the full bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to use/manage rewards

• Create a TD online account in a few clicks
• Use/manage your TD cash back on the TD website

‣ Learn more about how to use/manage TD cash back (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

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have activated or closed the TD Cash Back Visa Infinite^* Card in the past 12 months.

‣ Details about credit card welcome bonus eligibility rules (coming soon)

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Offer end date
Account must be approved by January 6, 2025^†.

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Summary of card details

• Issuer: TD Bank Canada (Toronto-Dominion)
• Network: Visa
• Card type: Credit card
• Product type: Personal card
• Rewards: TD cash back
• Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $139 (rebated in the first year; account must be approved by January 6, 2025)^†
• Fee for optional additional card: $50 (rebated in the first year; you must add your first Additional Cardholder by January 7, 2025)^†
• Foreign transaction fee: 2.5%^†
• Balance transfer fee: N/A^†

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

• Purchases: 20.99%^†
• Funds advances: 22.99%^† (20.99% for Québec residents)^†

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

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 January 6, 2025.  

• 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 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 January 6, 2025. 

• 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 

• Travel Medical Insurance^† - Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available. 
• Delayed and Lost Baggage Insurance^† - Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost. 
• Emergency Travel Assistance Services^† - Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling. 

Mobile Device Insurance^†: Get mobile device protection of up to $1,000 in coverage in the event of the loss, theft, accidental damage or mechanical breakdown for eligible mobile devices when you use your Card to pay all of your monthly mobile bill payments and any upfront costs, or charge at least 75% of the purchase price when paying the full cost of your new mobile device up front. 

• Free Deluxe TD Auto Club Membership^†: Deluxe TD Auto Club membership is included at no charge with the TD Cash Back Visa Infinite* Card. You’ll be covered 24 hours a day with Emergency Road Services in case something goes wrong when you are out on the road. 
• Complimentary Visa Infinite* Concierge^†: On-call 24 hours a day, seven days a week. The Visa Infinite Concierge can 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. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545 
• Visa Infinite* Luxury Hotel Collection^†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. 
• Visa Infinite Dining Series^†: As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines. 
• Visa Infinite Wine Country Program^†: Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more. 
• Visa Infinite Entertainment Access^†: Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival^® 
• 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.