Card at a Glance
| Feature |
Details |
| Card name |
TD Cash Back Visa Infinite |
| Annual fee |
$139 |
| Minimum income |
$60,000 personal / $100,000 household |
| Network |
Visa Infinite |
| Rewards type |
Cash back |
| Welcome bonus |
~10% on first $2,000 spend |
| Insurance |
Purchase protection, auto rental, travel medical |
Cash Back Rates
| Category |
Rate |
| Groceries |
3% |
| Gas |
3% |
| Recurring bills |
3% |
| Everything else |
0.5% |
Annual Cash Back Estimate
| Monthly Spend |
Category |
Annual Cash Back |
| $600 groceries |
3% |
$216 |
| $200 gas |
3% |
$72 |
| $200 recurring bills |
3% |
$72 |
| $800 other |
0.5% |
$48 |
| Total |
|
$408 |
Net return after $139 fee: $269/year.
TD Cash Back vs Alternatives
| Feature |
TD Cash Back VI |
Scotia Momentum VI |
CIBC Dividend VI |
| Annual fee |
$139 |
$120 |
$139 |
| Grocery |
3% |
4% |
4% (capped) |
| Gas |
3% |
4% |
— |
| Dining |
1% |
4% |
2% |
| General |
0.5% |
1% |
1% |
| Best for |
TD loyalists |
Best overall |
CIBC clients |
Who Should Get This Card
| Profile |
Recommendation |
| TD bank customer |
✅ Banking integration convenient |
| Want simple cash back |
✅ Yes |
| Maximize cash back return |
⚠️ Scotia Momentum is better |