TD Cash Back Visa Infinite Credit Card Review: Should You Keep It?

TD Cash Back Visa Infinite Credit Card Review

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TD Cask Back Visa Infinite card is a cash back rewards credit card that lets you earn cash rewards for everyday purchases, which can be redeemed any time it reaches $25.

The Cost

Annual Fee = $120. Additional cards = $50

Minimum annual income required = $60,000 (or household income = $100,000)

Rewards Points Snapshot

– Earn 3 percent at eligible gas stations, grocery stores, and recurring bill payments Canada.

– Earn 1 percent on everything else.

First Time Bonus

TD is running a promotional 6% return on all purchases for 3 months up to first $3,500 spending. This offer ends on Dec 3, 2017. Also, the annual fee is waived for the first year.

Anniversary Bonus


Features & Benefits

– Visa Infinite benefits, including Concierge Services.

– Emergency Medical Insurance (10 days <65, if 65 or older 4 days, Amount: $2 million).

–– Lost and Delayed Luggage ($1,000 maximum)

– Purchase Security (Not clear)

– Extended Warranty Insurance (Not clear)

What’s Missing

Because this is not a travel rewards credit card, I can’t mention anything here like I do for a travel credit cards review.

The 3 percent return on recurring bill payments makes this card unique when compared to any other cash back credit card in Canada and this is the highest return you will find in this category. The 3 percent return on grocery and gas is not bad, but you will find better cards that I will talk about shortly.

There is a flexibility to redeem cash back any time you want when it reaches a $25 minimum. This is a nice option as well.

As sweeteners, TD is throwing in some benefits such as limited travel insurances and auto club membership. However, the Scotia Momentum Visa Infinite Cash Back Card offers better travel insurances and the BMO World Elite Cash Back Credit Card offers a complimentary roadside assistance program that includes free battery boosts, flat-tire change, lockout service, and towing.

The $120 annual fee may be standard these days, but the Scotia Momentum Visa Infinite is a better option with a $99 annual fee and offering more features and more return on specific categories such as gas and grocery. This Scotia card returns 2 percent on drug store and recurring bill payments.

TD Cash Back Visa Infinite Credit Card, Scotia Momentum Visa Infinite and some other cash back credit cards to consider are SimplyCash Preferred Amex, MBNA Rewards World Elite MasterCard, BMO World Elite Cash Back Credit Card, Scotiabank Gold American Express Card, etc. I do have reviews on some of these cards on YouTube and I provided links for them.

As cash back credit cards are becoming more popular due to their simplicity, credit card providers are stepping up their games and expect more cards to choose from in the future.