The TD Cash Back Visa Infinite Card brings a solid mix of rewards and perks if you’re focused on maximizing value from everyday spending. With a $139 annual fee, it offers a generous 3% cashback on groceries, gas, and recurring bills, with category earning capped at $15,000 per year. Purchases outside those categories earn the base rate. The current welcome offer includes 10% cash back in the first three months (up to $350 bonus for $3,500 spent). The card also provides deluxe roadside assistance, travel perks, and a first-year fee rebate. The purchase interest rate stands at 21.99% with 22.99% for cash advances.

How to Apply: Step by Step

1. Visit the TD Canada Trust credit card webpage.
2. Select the TD Cash Back Visa Infinite Card option.
3. Start your application by providing your personal and financial details.
4. Submit any required supporting documents or identification online.
5. Review the terms, finalize and submit your application.

Pros: Key Advantages

The standout benefit is the high cashback rate on groceries, gas, and select bills, making this card ideal for families and commuters who spend big in these categories. Additionally, the 10% introductory cash back amplifies your benefits out of the gate, especially for those with upfront planned purchases.

Another valued perk is roadside assistance, rarely bundled at this segment. Cardholders also enjoy payment plan options, allowing for flexible budgeting on larger purchases.

Contras: Puntos a considerar

The main drawback is the $139 annual fee, though it can be offset in the first year through the rebate if you meet activation requirements. After year one, lighter spenders may find it harder to justify unless maximizing the category spend caps.

There are also category caps: once you reach $15,000 annually in one of the top cashback categories, further spending in that group only earns the base rate, meaning strategic use is required for optimal value.

Our Verdict: Is It Worth It?

For frequent grocery shoppers, drivers, and bill payers, the TD Cash Back Visa Infinite Card easily outpaces its fee, especially when stacking the first-year rebates and the 10% welcome bonus. Perks like deluxe roadside assistance sweeten the deal.

However, if your biggest expenses aren’t groceries, gas, or recurring bills, or if you won’t spend enough to offset the fee after year one, a no-fee card may make more sense. Overall, this TD option stands out among Canadian reward cards for maximizing everyday spend.