About TD Cash Back Visa Infinite Card
A TD Cash Back Visa Infinite Card is a credit card with regular interest rates and cash back earning opportunities. Along with cash back rewards, this card provides exclusive benefits from Visa and perks from TD partners.
From time to time, TD announces special offers allowing new TD Cash Back Visa Infinite Card applicants to earn more cash back for spending certain amounts of money within a given period and waive annual fees for the first year.
TD Cash Back Visa Infinite Card features
A TD Cash Back Visa Infinite Card features a 19.99% interest rate on purchases and a 22.99% interest rate on cash advances. The annual fee for this card is $120 for the primary cardholder, $50 for the first additional cardholder, and $0 for subsequent additional cardholders. With a TD Cash Back Visa Infinite Card, you can order up to 3 different cards.
For purchases in the "gas," "grocery," or "recurring payments” categories made with your TD Cash Back Visa Infinite Card up to the $15,000 annual threshold, you will earn 3% cash back. Once you reach the $15,000 annual threshold, you will continue earning cash back at a 1% rate.
For other eligible purchases made with your TD Cash Back Visa Infinite Card, you will earn 1% cash back.
Once you’ve earned at least $25 in cash back dollars, you can redeem them towards your credit card balance payment.
A TD Cash Back Visa Infinite Card features certain privileges from Visa, such as:
The Visa Infinite Concierge service providing assistance with travel bookings, shopping, and using your card
The Visa Infinite Luxury Hotel Collection providing exclusive benefits when booking hotels from the Visa collection
The Visa Infinite Food and Wine experiences providing exclusive access to gourmet events and wine-tasting experiences
In addition, TD Cash Back Visa Infinite Cardholders get access to a range of benefits from TD partners, including:
An opportunity to purchase TD Auto Club Membership and get 24/7 access to emergency roadside assistance services
Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.
Earning 50% more Stars at Starbucks locations
A TD Cash Back Visa Infinite Card qualifies for TD Payment Plans allowing you to convert purchases of $100 and more into manageable monthly payments with a lower fee and zero interest. The fees vary based on a chosen term:
4% for a 6-month plan
6% for a 12-month plan
8% for an 18-month plan
Insurance coverages included in a TD Cash Back Visa Infinite Card are travel medical insurance, delayed or lost baggage insurance, auto rental collision and loss damage insurance, purchase security, and extended warranty insurance. Additionally, you can apply for an optional TD Credit Card Payment Protection Plan providing coverage of your financial obligations in the event of a job loss, total disability, or loss of Life.
Pros and cons
The advantages of a TD Cash Back Visa Infinite Card are:
Cash back earning opportunities
Exclusive benefits from Visa
Benefits from partner integrations
Eligibility for TD Payment Plans
Extensive insurance coverage
Contactless payment through digital wallets
Here are the disadvantages to be aware of:
A $120 annual fee
The lack of trip interruption or cancellation insurance, common carrier accident insurance, and mobile device insurance
Minimum annual income requirements to apply
How to apply for a TD Cash Back Visa Infinite Card
TD Bank accepts applications for a TD Cash Back Visa Infinite Card online, by phone, or in person at a branch near you.
To proceed with an online application, hit the “Apply online” button on the credit card description page. If you are a TD client already, sign in using your EasyWeb online banking login credentials. If you are new to TD, click the “Apply Online” button and fill out the application form with the following details:
Your province of residence
Your personal information (including your first name, middle name, last name, title, and date of birth)
Your social insurance number
Your phone number
Your email
Your address
Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)
Your gross annual personal income
Other household income
Your residential status (own, rent, live with parents, or board)
Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)
The credit limit you need
Whether you need to register additional cardholders
Whether you want to enroll in the TD Credit Card Payment Protection Plan
Next, review the terms and conditions and agree to them to complete your application.
To be eligible for a TD Cash Back Visa Infinite Card, you must have at least $60,000 or an annual household income of at least $100,000.
What kinds of recurring payments made with a TD Cash Back Visa Infinite Card can bring 3% cash back? | Examples of eligible recurring payments are insurance premiums, magazine, newspaper, or online streaming subscriptions, membership fees, and telecommunication fees. |
I want to redeem my cash back dollars. What should I do? | Once your cash back balance is $25 or more, you can redeem your cash back dollars towards a credit card balance payment. You can do it anytime through EasyWeb or the TD Mobile App. |
What can I do with my credit card through the TD Mobile app? | With the TD Mobile app, you can make credit card payments, view your account statements, set transaction limits, lock and unlock your credit card, block international purchases, and more. |
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Top offers of the February 2023
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