Unlock TD Cash Back Visa Infinite’s Full Potential for Canadians in 2025

Why TD Cash Back Visa Infinite is a top pick in Canada

For Canadians looking to turn everyday spending into tangible savings, the TD Cash Back Visa Infinite delivers a straightforward value proposition. With 3% cash back on groceries, gas and recurring bills and 1% on all other purchases, the card rewards the habits most households across Ontario, BC and Quebec already have.

Beyond rates, the TD Cash Back Visa Infinite packs Visa Infinite perks such as travel insurance, purchase protection and concierge support — useful benefits whether you’re booking a flight from Toronto Pearson or filling up at Esso on a highway trip through Alberta.

Who benefits most and what it costs

The card is ideal for Canadians with steady household spending in the high-earning categories: think families who buy groceries at Loblaws or Metro, commuters topping up at Shell, and subscribers paying Rogers, Bell or Telus monthly. To qualify you generally need a minimum personal income (around $60,000 CAD) or household income threshold, and Canadian residency.

The annual fee is typically $120 CAD, sometimes reimbursed for the first year during promotions; additional cardholder fees apply. When you do the math, consistent use on groceries, gas and bills often covers the fee within months thanks to the 3% cash back on the TD Cash Back Visa Infinite.

Practical tactics to maximize cash back

Use the TD Cash Back Visa Infinite for all grocery runs, fuel fills and recurring payments — set up autopay for your phone and streaming services to ensure they count toward 3% cash back. Track monthly categories so you don’t accidentally use another card for high-earn purchases.

Combine the card with targeted TD promotions and merchant offers: sign-up rebates, seasonal bonus categories and limited-time higher cash back events can spike your returns. Also consider adding authorized users for household spending consolidation; their purchases will pool into your single cash back total.

Fine print, interest and final verdict

Redeem accumulated cash back as a statement credit, which keeps redemption friction-free and straightforward. Be mindful of standard interest rates if you carry a balance — purchase APRs on premium cards like these are commonly near 19.99% and cash advance rates higher — so paying on time preserves your rewards as net gain rather than interest expense.

Overall, the TD Cash Back Visa Infinite is a competitive cash back credit card for Canadians who spend heavily on groceries, gas and recurring bills and who value travel and purchase protections. Review eligibility, compare alternatives and, if it fits your spending profile, apply to start converting everyday costs into steady savings with a card built for Canada.