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TD Cash Back Visa Infinite* Card Review
The Bottom Line
We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.
Welcome Bonus
Up to $245
Rewards Rate
1% - 3%
Cash Back
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Insurance
Coverage
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 days
Lost or Stolen Baggage
$1000
Baggage Delay
$1000.svg)
Car Rental Damage & Theft
Included
Mobile Device Insurance
$1000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks stores.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car- Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
Card Details
Interest Rates
Purchase APR
20.99%
Cash Advance APR
22.99%
Balance Transfer APR
22.99%
Fees
Annual Fee
$139
Additional Cards
50
Eligibility
Minimum Individual Income
$60,000
Minimum Household Income
$100,000
Credit Score Estimate
Very Good
Type
Card Type
Credit
Reward Type
Cash Back
Pros & Cons
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
TD Cash Back Visa Infinite* Card
3.3
FinlyWealth Rating
Get personalized rewards estimates — see exactly how much you could earn.
TD Cash Back Visa Infinite* Card Cash Back Calculatoron TD's website