Cash back card · TD
TD Cash Back Visa Infinite
TD · Visa · cash back
Below is every rate the TD Cash Back Visa Infinite earns, each one quoted from TD's own terms with the clause and the date we checked it. The $139 annual fee is shown on its own, never subtracted from a rate.
3%
Top rate
1%
Base rate
$139
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, gas, transit, recurring and streaming.
Everything it earns
every rate quoted from TD's terms · annual fee shown separately, never netted3%
Groceriesverified Jul 7, 2026Read the clause
Verbatim clause from TD's terms
“Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, and Public Transit Purchases (Grocery = MCC 5411).”
Cap $15,000 / yr
Read the source termsGasverified Jul 7, 2026Read the clause
Verbatim clause from TD's terms
“Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, and Public Transit Purchases.”
Cap $15,000 / yr
Read the source termsTransitverified Jul 7, 2026Read the clause
Verbatim clause from TD's terms
“Earn 3% in Cash Back Dollars on ... Public Transit Purchases (MCC 4111).”
Cap $15,000 / yr
Read the source termsRecurringverified Jul 7, 2026Read the clause
Verbatim clause from TD's terms
“Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.”
Cap $15,000 / yr
Read the source termsStreamingverified Jul 7, 2026Read the clause
Verbatim clause from TD's terms
“Earn 3% in Cash Back Dollars on ... Streaming, Digital Gaming & Media Purchases.”
Cap $15,000 / yr
Read the source terms1%
Everything elseverified Jul 7, 2026
The everyday earn outside any bonus category, no cap
Annual fee
Shown on its own, never subtracted from the rates above
$139
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from TD's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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