TD Cash Back Visa Infinite Credit Card Review

9.5/10

Interest Rate

20.99%

Annual Fee

$120

Balance Transfer

N/A

Card Type

Cash Back

Earn 6% Cash Back on all Purchases for the first 3 months

Welcome Bonus

Currently, when you sign up for the TD Cash Back Visa Infinite you are eligible to receive up to 6% cash back for the first three months for a total cash back reward of $2,000. The annual fee of $120 is also waived for the first year.
  • Earn 6% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000
  • Plus, first year no Annual Fee for the Primary and Additional Cardholders
  • Conditions apply. Must apply by May 29, 2022.
  • Up to 3% cash back on eligible purchases
  • Cash back rewards don’t expire
  • Travel and roadside assistance services
  • Purchase security and warranty protection
  • Manage card in the TD app

The TD Cash Back Visa Infinite card offers up to 3% cash back rewards on grocery, gas, and recurring bill purchases. Other purchases made with your card are eligible for a 1% cash back reward. As long as your account is in good standing, the cash back reward doesn’t expire.

The card has an annual fee of $120 with a $50 fee for the first new additional cardholder. The interest rate is 20.99% on purchases and 22.99% on cash advances. For new users, a current offer gives you 6% cash back for the first three months of use with no annual fee. With these cash back rewards, you can earn up to $2,000 cash back in your first three months.

With some of the additional perks, this is a card suited for people who travel. The Travel Medical Insurance, hotel stay, and food benefits, you can have an enjoyable experience while traveling without worry. The card does have minimum income eligibility of $60,000 for personal income and $100,000 for household income, making this a card suited for middle or upper-middle-class cardholders.

TD Cash Back Visa Infinite Details List

  • 3% cash back rewards on select purchases
  • An annual fee of $120, $50 for the first additional cardholder
  • 99% interest on purchases
  • 99% interest on cash advance
  • New users get 6% cash back for three months with no annual fee
  • Card suited for travelers with a higher income

TD Cash Back Visa Infinite is Best Suited For

With the generous perks that the TD Cash Back Visa Infinite offers, this is the perfect card for frequent travelers. The Travel Medical Insurance can help you in case of a medical emergency while traveling. The roadside assistance services are also included and can help you when you get stranded.

The concierge, hotel, and food benefits will also help you make the most of your shopping, whether traveling or staying home. The concierge services offer 24/7 guidance to help you make the most of your card. When booking certain hotels with your card, you can get exclusive offers only available to cardholders. Some restaurants and wineries also have exclusive offers for cardholders.

With the minimum income requirements, this is a card best for middle or upper-middle-class cardholders. The TD app does offer tools to help you manage your card, from setting transaction limits to locking your card. This card is also good for cardholders who want more remote control of their credit card account.

9.5 Total Score
TD Cash Back Visa Infinite Credit Card Review

PROS
  • 3% cash back rewards
  • Perks to hotels and dining services
  • Travel Medical Insurance included
  • Generous welcome bonus
  • TD app offers remote control of credit card
CONS
  • Minimum income requirements
  • Higher than the average interest rate
  • Only three types of purchases are eligible for 3% cash back rewards
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