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TD Cash Back Visa Infinite: A Mixed Bag for Cashback Fans
TD Cash Back Visa Infinite offers 10% cashback in the first 3 months but watch out for its $139 annual fee and high APR. Ideal for high earners.
The Quick Version
The TD Cash Back Visa Infinite Card offers a tempting 10% cashback on eligible purchases for the first three months, capped at C$3,500. But the C$139 annual fee kicks in after the first year unless you have a TD All-Inclusive Banking Plan. The APR ranges from 21.99% to 22.99% depending on the transaction type. source
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
TD Cash Back Visa Infinite Card
TD Cash Back Visa Infinite offers a solid cashback intro offer but check the ongoing value.
Fees & Rates
The card's annual fee is C$139, waived for the first year under the current offer. You'll face an APR of 21.99% on purchases and 22.99% on cash advances. Additional cardholders cost C$50 for the first card, but it's free for any others. source
What's Actually Good
The initial 10% cashback offer is a strong incentive to get the card. The annual fee rebate for the first year sweetens the deal, making it effectively free to try out. If you've got a TD All-Inclusive Banking Plan, you can continue to avoid the annual fee beyond the first year.
The Catch
After the initial 10% cashback period, the ongoing rewards structure might not justify the C$139 annual fee if you don't hold a qualifying banking plan. The high APR means carrying a balance could get expensive.
This Card Is For You If...
If you earn at least C$60,000 individually or C$100,000 as a household, this card could be a good fit, especially if you can maximize the 10% cashback offer. It's also ideal if you're already banking with TD and can take advantage of the fee rebate.
The Bottom Line
If you're looking to capitalize on a strong introductory cashback offer and can avoid ongoing fees, this card might be worth trying. Otherwise, consider alternatives with lower fees or better ongoing rewards. For more on maximizing cashback, check out our guide on Maximizing Cashback Rewards: Smart Card Choices for 2026.
