Cash BackVisa

TD Cash Back Visa Infinite

Strong cash back card with 3% returns on groceries, gas, transit, recurring bills, and streaming services.

The TD Cash Back Visa Infinite is a TD Visa card with a $139 annual fee. It earns 3% cash back on Grocery, gas, EV charging, public transit. Listed welcome offer value: $350.

Last updated October 9, 2026Source: issuer page

Key facts

Annual fee: $139
Purchase interest rate: 21.99%
Cash advance rate: 22.99%
Earn rates: 3% cash back on Grocery, gas, EV charging, public transit; 3% cash back on Recurring bill payments, streaming, digital gaming; 1% cash back on All other purchases
Welcome offer: $350
Foreign transaction fee: 2.5%
Income requirement: $60,000 personal, or $100,000 household

How this score is calculated

Formula

Net annual value(50%)4.4
Welcome bonus(15%)4.4
Foreign transaction fee(10%)2.5
Insurance & perks(15%)3.1
Purchase interest rate(10%)2.5

What are the fees and rates?

Verified 2026-10-09

Annual Fee

$139

Additional card: $50

Purchase Interest Rate

21.99%

Cash advance: 22.99%

Minimum Income

$60,000 personal

or $100,000 household

Foreign Transaction Fee

2.5%

What rewards does this card earn?

The TD Cash Back Visa Infinite earns 3% cash back on Grocery, gas, EV charging, public transit.

Grocery, gas, EV charging, public transit

3% cash back

Recurring bill payments, streaming, digital gaming

3% cash back

All other purchases

1% cash back

Is there a welcome offer?

Yes. The listed welcome offer value is $350.

10% cash back in first 3 months on bonus categories (up to $3,500 total spend) plus first year annual fee rebate

Value: $350

Activate and make first purchase within 3 months

Pros

3% on six everyday spending categories
Deluxe TD Auto Club roadside assistance included
First year annual fee rebated
Redeem cash back anytime

Cons

$139 annual fee after first year
$50 per additional card

What perks are included?

3% on groceries, gas, transit, bills, and streaming
Free Deluxe TD Auto Club membership ($75 value)
Redeem cash back anytime - no minimums
Up to $2 million travel medical insurance (10 days)

What insurance is included?

Travel Emergency Medical – Up to $2M for 10 days

Purchase Protection

Extended Warranty

Mobile Device Insurance – Up to $1,000

Auto Rental Collision

Frequently asked questions

What is the annual fee on the TD Cash Back Visa Infinite?

The TD Cash Back Visa Infinite has a $139 annual fee.

What rewards does the TD Cash Back Visa Infinite earn?

3% cash back on Grocery, gas, EV charging, public transit; 3% cash back on Recurring bill payments, streaming, digital gaming; 1% cash back on All other purchases