The TD Cash Back Visa Infinite* Card currently has one of the best cash back welcome bonus offers in the Canadian market. This true cash back card provides up to $290 cash back in the first three months and new cardholders don’t have to pay an annual fee in the first year so they can give the card a try without any additional expense.
The Welcome Bonus
first part of the TD Cash Back Visa Infinite* Card welcome bonus matches what many of its competitors are offering and that’s a 10% cash
earn rate on all purchases up to $2,000 in the first three months.
However TD is also offering an extra 6% on the next $1,500 in spending in
same time frame on gas, grocery and pre-authorized payment purchases.
All told you can earn up to $290 cash back on that first $3,500 in
spending in the first three months. To make the offer even better TD
will rebate the annual fee for the primary card and additional cards in
the first year. This true $290 places the TD Cash Back Visa Infinite*
Card back into third spot in the top 5 cash back cards in terms of
This offer is available for applications made from today through to September 5, 2022
This offer is not available for residents of Quebec. For Quebec residents, please click here
Earning Cash Back
Once you’ve reached that $3,500
spend limit or the three month time limit the TD Cash Back Visa Infinite
card cash back earn rates are as follows:
- Earn 3% in Cash Back Dollars on eligible grocery Purchases and
gas Purchases† and on regularly recurring bill payments† set up on your
- Earn 1% Cash Back Dollars on all other Purchases made with your Card †
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please – the choice is yours! †
- Your Cash Back Dollars never expire as long as your account is open and in good standing
The accelerated earn rates of 3% is awarded on the first $15,000 spent
in each three categories listed above, so you could potentially spend $45,000 across
them and earn $1,350 in cash back rewards. Once a limit is reached
in any of the categories you’ll earn 1% cash back on all purchases in
that category. Unlike two of this card’s major competitors which
only have access to cash back once per year the TD Cash Visa Infinite*
Card lets you cash out anytime your cash back balance is $25 or more.
Features & Benefits
card also features Out of Province Emergency Travel Medical
Insurance, Trip Interruption Insurance, Flight Delay and Baggage
Insurance as well as some of your across the board insurances like
Purchase Security and Extended Warranty Protection. It also includes
Emergency Road Services with Deluxe TD Auto Club Membership, valued at
Wrapping it up
With this limited time offer the TD Cash Back
Visa Infinite* Card provides the second highest cash back card welcome bonus in Canada and the highest out of all non-Amex cards. It has done this by
matching its competitor’s 10% on the first $2,000 in spending but then
keeping the 6% on the next $1,500 in those select spend categories.
Beyond the welcome bonus you will need to
do the math on your spending over time to see if this
TD card can work better for you with its 3% accelerated earn rate
categories versus the 4 or 5% seen with some other cards.
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