Credit cards · Card review
TD Cash Back Visa Infinite review
The breadth play: 3% across five everyday categories — groceries, gas/EV, transit, bills, streaming — instead of 4% on two. Less spectacular, harder to outgrow, and one of the very few cash-back cards with ANY travel medical at 65+.
Best for: Households whose spending spreads evenly — and TD loyalists wanting a cash flagship
Pros
- 3% on five categories ($15,000/yr each) covers most of a budget
- Travel medical: 10 days under 65 AND 4 days at 65+ — rare in cash back
- Deluxe TD Auto Club membership included
- Ongoing welcome to $350 with first-year rebate
Cons
- 3% never beats the 4% cards inside their categories
- $139 fee is the highest of the cash flagships
- The 65+ coverage drops if YOU OR YOUR SPOUSE is 65 — read the wording
The case for breadth
The 4% flagships concentrate: Momentum on groceries+bills, Dividend on groceries+gas. TD spreads 3% across five categories — groceries, gas and EV charging, public transit, recurring bills, and streaming/digital — each with its own $15,000 annual cap. A household whose spending doesn’t concentrate (renters with transit passes, streamers, mixed budgets) often nets more here than from a 4% card whose bonus categories miss half their life.
Our worked household math puts it at $732/yr on the standard mix — behind the focused 4% cards on that particular mix, ahead of them on flatter ones. Run your own weights before deciding.
The insurance that survives 65 — with a catch
TD’s wording, verified: “Up to $2 million… for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days.” Two things hide in that sentence. The good: 4 days of 65+ coverage exists at all — almost no cash-back rival offers any. The catch: the drop triggers if either spouse is 65+, so a 62-year-old travelling with a 66-year-old spouse gets 4 days, not 10.
Both facts earn it a spot on our retiree short list — with the spouse rule flagged in bold.
The extras that quietly matter
The Deluxe TD Auto Club membership is a real roadside package riding free on the card — worth a CAA-style fee to anyone without coverage. Mobile device insurance runs to $1,000. The $139 fee is the highest in the cash tier, softened by the first-year rebate (primary + first additional card, activation conditions apply).
Frequently asked questions
What does the TD Cash Back Visa Infinite cost?
Annual fee: $139 — First-year rebate (primary + first additional, conditions); additional $50 first, $0 after. Purchase rate 21.99%; cash advances 22.99%. Foreign transactions: Not published on the card page — confirm in the cardholder agreement (typically 2.5%). All figures verified at TD’s own pages on June 12, 2026 — compare the field on our main card table.
What are the TD Cash Back Visa Infinite’s earn rates — with the caps?
3% on groceries, gas/EV, transit, recurring bills and streaming/digital — each capped at $15,000/yr in category spend. 1% on everything else. Caps are where card marketing goes to die — our worked household math prices every major card through its caps.
Does the TD Cash Back Visa Infinite include travel medical insurance?
First 10 days ($2M) · 65+: first 4 days — one of the few cash-back cards with ANY 65+ coverage. Card medical attaches to holding the card in good standing (the trip doesn’t need to be charged to it), but trip cancellation/interruption benefits do require paying with the card. The full certificate-verified age-cliff table is on our retiree cards page.
Who can get the TD Cash Back Visa Infinite?
$60,000 personal / $100,000 household. Current welcome offer: 10% cash back for 3 months on up to $3,500 spend (up to $350) + fee rebate — ongoing, no stated end date. Offers change without notice — confirm on the issuer’s page before applying.
The bottom line
Choose TD Cash Back when your spending refuses to concentrate, when the spouse-aware 65+ coverage matters, or when the TD ecosystem is home anyway. Focused spenders get more from the 4% pair; everyone can check the full math.
Educational review, not credit advice or an offer of credit. Facts verified at TD’s own pages (insurance from certificates where stated) on June 12, 2026; offers, rates and terms change without notice — confirm on the issuer’s page before applying. Quebec residents may see different offers and rates.