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.

TD Cash Back Visa Infinite Card at a glance

Rewards & perks

• 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

Who should apply

• 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

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official TD Canada Trust site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.