TD Cash Back Visa Infinite Card Review

Get ready to elevate your everyday spending into a rewarding experience with the TD Cash Back Visa Infinite Card! 

The TD Cash Back Visa Infinite Card seamlessly blends robust earning potential with an array of features that cater to the modern consumer. 

Prepare to discover how your regular spending can unlock a world of substantial cash back and exclusive Visa Infinite benefits, making every transaction more satisfying and every journey a little smoother.

CREDIT CARD

TD Cash Back Visa Infinite

Cash Back Dollars TD Auto Club Membership

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Ways to Benefit: Your Premium Rewards Await!

The TD Cash Back Visa Infinite Card is loaded with features designed to provide exceptional value, robust rewards, and significant peace of mind for cardholders.

1. Generous Cash Back on Everyday Essentials (3%): Fuel your savings with an impressive 3% cash back on eligible grocery purchases, gas and electric vehicle charging, and public transit purchases.
2. Accelerated Cash Back on Bills & Subscriptions (3%): Simplify your finances and get rewarded for it! Earn a fantastic 3% cash back on recurring bill payments set up on your account, as well as on streaming services, digital gaming, and media purchases.
3. Solid 1% Cash Back on All Other Purchases: For everything else you buy, from online shopping to dining out (where not a bonus category), you’ll still earn a reliable 1% cash back. 
4. Deluxe TD Auto Club Membership: Drive with confidence knowing you’re covered! This card includes a complimentary Deluxe TD Auto Club Membership, providing 24/7 emergency roadside assistance services like towing, battery boosts, flat tire changes, and more across Canada and the continental U.S. This is an incredibly valuable perk that can save you significant stress and expense.
5. Visa Infinite Concierge Service: Enjoy personalized assistance 24/7! The complimentary Visa Infinite* Concierge service can help with travel bookings, restaurant reservations, event tickets, gift arrangements, and much more. It’s like having a personal assistant ready to help simplify your life and enhance your experiences.
6. Visa Infinite Luxury Hotel Collection: Elevate your hotel stays! Gain access to the Visa Infinite Luxury Hotel Collection, featuring over 900 prestigious properties worldwide. When you book through this program, you can enjoy exclusive benefits such as automatic room upgrades (when available), complimentary breakfast for two, late check-out, and other VIP perks.
7. Bonus Starbucks Rewards: Link your TD Cash Back Visa Infinite Card with your Starbucks Rewards account to earn 50% more Stars at participating Starbucks stores. It’s a delightful perk for coffee lovers, helping you get to your next free treat faster.

Who Can Apply: Eligibility for Premium Rewards

To be eligible for the TD Cash Back Visa Infinite Card, applicants generally need to meet the following criteria:

• Age of Majority: You must have reached the age of majority in your province or territory of residence.
• Canadian Resident: You must be a Canadian resident.
• Minimum Annual Income: You must meet one of the following minimum annual income requirements:
  • A personal gross annual income of $60,000, OR
  • A household gross annual income of $100,000.
• Good to Excellent Credit Score: While TD doesn’t publish a specific minimum credit score, a good to excellent credit history is typically required for approval for a Visa Infinite* card. This generally means a credit score of 660 or higher, with scores above 700-720 being more favorable.
• Not Undischarged Bankrupt: You must not be an undischarged bankrupt.

Meeting these criteria does not guarantee approval, as TD will assess your overall creditworthiness and financial situation based on the information provided in your application and your credit report.

How to Apply: Your Path to Enhanced Cash Back

Applying for the TD Cash Back Visa Infinite* Card can be done through several convenient channels:

1. Online Application:
   • Visit the official TD Canada Trust website.
   • Navigate to the credit cards section and locate the TD Cash Back Visa Infinite Card.
   • Review the card’s features, benefits, current offers, fees, and eligibility criteria.
   • Click on the “Apply online” button.
   • You will be guided through a secure online application form where you’ll need to provide personal information (name, address, date of birth, SIN), employment and income details, and information about your housing costs and other financial obligations.
   • You will also need to consent to a credit check.
   • Review all your entered information for accuracy before submitting.
2. Apply by Phone:
   • You can call TD Credit Card services directly to speak with a representative who can guide you through the application process over the phone. The general contact number for TD credit cards is typically 1-800-983-8472.
3. In-Branch Application:
   • Visit any TD Canada Trust branch.
   • Speak with a banking advisor or customer service representative who can assist you with the application process in person. You may need to book an appointment.
4. Through TD EasyWeb (for existing TD customers):
   • If you are already a TD customer with EasyWeb online banking access, you may find personalized offers or a streamlined application process when logged into your account.

Once your application is submitted, TD will review it, which may include a credit check. You will be notified of the decision, which can sometimes be instant online or may take several business days.

Frequently Asked Questions (FAQ)

Here are some frequently asked questions about the TD Cash Back Visa Infinite* Card:

1. What is the annual fee for this card?
   The TD Cash Back Visa Infinite Card typically has an annual fee of $139. However, this fee is often waived for the first year as part of promotional offers. An annual fee may also apply to additional cardholders.
2. Is there a cap on the amount of cash back I can earn in the 3% categories?
   Yes, there is an annual spending limit for each of the 3% cash back categories (e.g., $15,000 per category). Once the cap is reached in a specific category, purchases in that category will earn 1% cash back.
3. How do I redeem my Cash Back Dollars?
   You can redeem your Cash Back Dollars anytime (minimum $25) to pay down your credit card balance through TD EasyWeb, the TD app, TDRewards.com, or by calling TD.
   

CREDIT CARD

TD Cash Back Visa Infinite

Cash Back Dollars TD Auto Club Membership

APPLY NOW You will be redirected