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⚖ Add to comparisonTD Canada Trust · Visa
TD Cash Back Visa Infinite Card
Pick this over the Tangerine Money-Back if your gas-plus-grocery-plus-bills spend is high enough to clear the CAD 139 fee. At 3% on those three buckets, you'd need roughly CAD 4,600 a year in them just to break even versus a free card, and the cash only lands once a year (as of 2026) instead of monthly. Skip it if a chunk of your spend falls outside those categories, since everything else earns a flat 1%; confirm the current rate and the CAD 60,000 income floor on TD's site.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earn 3% back on fuel, grocery shopping and recurring bill payments
- ✓Every other purchase earns 1% back
- ✓Your cashback is credited to the account annually
- ✓Comes with travel and purchase protection coverage
👍 Pros
- + Strong cashback on the everyday categories that matter most
- + Handy insurance protections built in
- + Cashback accrues automatically with no tracking
👎 Cons
- – Carries an annual fee
- – Charges 2.5% on foreign currency purchases
- – You must meet an income threshold to be approved
Can you get it?
- ▸Live in Canada and meet your province's age of majority
- ▸Earn at least CAD 60,000 personally or CAD 100,000 as a household
- ▸Hold a good to excellent credit record
- ▸Clear TD's application review
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
Decided on the TD Cash Back Visa Infinite Card?
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