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Cash-back reward credit cards are always tricky. There are a lot of factors to consider before you apply for one. With the TD Cash Back Visa Infinite Credit Card, you don't have to worry about earning cash-back rewards anytime soon.

As one of the big five banks in Canada, TD Bank credit cards are always affordable and very worthwhile. The TD Cash Back Visa Infinite Credit Card offers a very modest interest rate but with extremely attractive rewards and cashback rates.

If you're looking to know what this card has to offer, check out the article below to find out.

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The Best Cash Back Credit Card in the Market

The TD Cash Back Visa Infinite Credit Card is one of the best cash-back credit cards in the market today with its myriad of perks and benefits.

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When you have this credit card, you get to earn a whopping 10% cash back dollars on all purchases for the first 3 months of opening your account up to a total of $2,000.

You will then earn 3% cash back on eligible grocery and gas purchases, and 1% cash back on all other purchases made with the card. You also get zero annual fees for the first year.

To get this, you must be able to activate the card and make your first purchase within the first 3 months of the account while also adding additional cardholders.

Interest Rates and Other Charges

With the TD Cash Back Visa Infinite Credit Card, you will need to follow the following interest rates and charges that may apply to your card.

While your first year with the card will have your annual fee waived, it will then cost you $139 for the following years. You will also be charged a $50 fee for adding your first additional cardholder and zero fees for any subsequent cardholder thereafter.

Cardholders should also note that you will have a 20.99% interest rate on purchases and a 22.99% interest rate on cash advances.

How to Earn Cash Back and Redeem the Rewards

As the name implies, the TD Cash Back Visa Infinite Credit Card is a cashback rewards credit card that rewards you with a very generous cashback rate for spending on purchases using the card.

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The best way to earn cash back is to use it on your daily purchases such as groceries and gas. This is the reason why a lot of people are using this card for their groceries as it offers an accelerated rate, especially for those who have recurring bill payments that are on time.

You can also use the card for many other purchases as it also has a 1% cash-back reward. You can check out their official cash-back calculator on their website to find out more. When it comes to redeeming your rewards, all you need to do is head over to the website and log in to your TD account then choose Pay With Rewards.

You can choose how much you want to redeem, then review the amount, and pay now to confirm. Your cashback balance will then appear but the payment will only appear after 2 days.

Check Out More Perks and Features

There are more perks and features to the TD Cash Back Visa Infinite Credit Card than just cash-back rewards. With this card, you also get travel medical insurance of up to $2 million for 10 days and delayed and lost baggage insurance of up to $1,000 per person.

You can also get discounts with select Avid Rent a Car and get rental collision or loss damage insurance. If you have a mobile device, you also get mobile device protection of up to $1,000 coverage against theft, mechanical breakdown, and accidental damage for eligible devices.

Those who are a fan of Starbucks will be surprised to know that this card also offers you to earn 50% more Stars at participating Starbucks stores.

Exclusive Visa Card Benefits

Since the TD Cash Back Visa Infinite Credit Card is a Visa card, cardholders also get exclusive Visa Infinite benefits such as the complimentary Visa Infinite Concierge that is exclusive only for such type of cardholder.

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This concierge is open 24/7 to accommodate all of your credit card concerns. You also receive exclusive benefits when you book your hotel stays through the Visa Infinite Luxury Hotel Collection which has over 900 properties all over the world.

As a Visa cardholder, you have access to gourmet events making your dining experience even more luxurious.

You also get exclusive access to tickets to exclusive events across Canada and have benefits to premier events like the Toronto International Film Festival.

Contact Details That You Should Know

If you happen to experience any issues with your credit card or you simply want to know more, you can call their customer service hotline at 1-888-751-9000.

It is open 24/7 with easy-to-follow automated systems. You can then speak to a bank representative that can assist you with any of your concerns.

You can also visit them at their main office at 357 Kings Hwy N, Cherry Hill, NJ 08034, USA.

What is the Eligibility Criteria for the TD Cash Back Visa Infinite Credit Card

To apply for the TD Cash Back Visa Infinite Credit Card, you don't have a lot of requirements.

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As long as you have an outstanding credit score and be at the proper age in your home province, you can apply for a credit card.

You should also have a personal annual income of $60,000 or a household income of up to $100,000. You can present documents that will prove that you have this income through an income tax return or a salary slip.

If you don't meet the requirements, there are also other TD Bank credit cards out there that you can check out.

How to Apply

Assuming that you meet the eligibility criteria, you can apply for the card online through the official TD Bank website. You will be taken to a secure webpage where you can log in to your account if you are an existing TD Bank customer.

Select the card and click on Apply Online and fill up the application form. Provide your details and indicate the province where you live and read the terms and conditions especially the credit card fees and other charges. Click on I Agree then submit your application.

Once approved, you will receive your card within 14 business days so you can activate it and then use it immediately.


The TD Cash Back Visa Infinite Credit Card remains one of the top cash-back rewards credit cards in Canada for its amazing perks and features. No other card has come close to how many benefits and rewards you can get with this card. If you're into rewards, apply for this credit card today!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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