TD Canada TrustTD Cash Back Visa Infinite

4206 3778 4836 9055

VALID THRU 04/31CASEY BROOKS

clear glass bottle with silver round coins — Photo: Fujiphilm / Unsplash

Cash Back Cards · Canada

TD Cash Back Visa Infinite Card

4.4 / 5 editorial rating

Best for: High gas, grocery and bill spenders who'll clear the fee

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeC$139/yr

IssuerTD Canada Trust

NetworkVisa

Purchase APR20.99% on purchases, 22.99%…

Foreign transaction fee2.5% on foreign currency pur…

Credit neededGood to excellent credit

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

Compare Canada cards

Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite is the best choice for a household with large grocery, gas and recurring bill spending that wants plain cash back, because as of September 2026 it pays 3% in four categories: groceries, gas and EV charging, public transit, and recurring bills together with streaming, digital gaming and media. Each category has its own $15,000 annual cap, which is high enough that few families will reach it.

At 3% against a 1% card, the $139 fee is covered by about $580 a month across those categories. That is within reach for a family that puts phone, internet and streaming bills on the card alongside groceries and fuel.

The weakness is everything outside the categories at 1%, plus the income requirement of $60,000 personal or $100,000 household. Unlike the BMO CashBack World Elite, TD doesn't cap bonus earning per statement period, which makes it easier to predict for families whose spending swings from month to month. We would pick TD over BMO when gas and bills matter more to your budget than groceries alone.

Good fit if

You spend $600 or more a month across groceries, gas and recurring bills
You put phone, internet and streaming subscriptions on a credit card
You'd rather have predictable cash back than points

Skip it if

Your spending in the bonus categories is under about $580 a month
You want travel points or airline perks

Worked example

Assume $700 a month on groceries, $250 on gas, $200 on recurring bills and streaming, and $800 on everything else. Groceries earn $252 a year at 3%, gas $90 and bills $72. Other spending of $9,600 earns $96 at 1%. That is $510 in cash back, or $371 after the $139 fee. Every category stays far below its $15,000 annual cap, since groceries, the largest, total $8,400 a year. Cash Back Dollars are valued conservatively at one dollar each.

How it stacks up

The BMO CashBack World Elite Mastercard pays 5% on groceries and 4% on transit, but on per-statement limits of $500 and $300, and its fee is also $139. The Tangerine Money-Back Credit Card has no fee and pays 2% in categories you choose, which can be the better deal for households whose category spending is modest. BMO's income requirement of $80,000 personal is also higher than TD's $60,000.

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.