The TD Cash Back Visa Infinite is a top choice among cashback credit cards, offering competitive rewards and exclusive benefits.

With a straightforward application process, this card makes it easy to start earning on everyday purchases, from groceries to gas, while also providing premium perks like travel insurance and extended warranties.

In this guide, we’ll walk you through the steps to apply, review the associated fees and interest rates, and compare the TD Cash Back Visa Infinite to other popular cashback options. Whether you’re looking to optimize your rewards or simply want a card that offers value and convenience, this breakdown will help you decide if the TD Cash Back Visa Infinite aligns with your financial goals.

How to Apply for the TD Cash Back Visa Infinite

Applying for the TD Cash Back Visa Infinite is easy. We’ll show you how to do it step by step. You’ll also find out which documents are required.

Required Documents

To get the TD Cash Back Visa Infinite, you’ll need a few things:

• A valid government-issued photo ID, such as a driver’s license or passport.
• Proof of income, such as pay stubs, T4 slips, or a Notice of Assessment
• Your Social Insurance Number (SIN) for identification and tax purposes
• Details about your current financial situation, including any credit cards or loans

You can apply online at the TD Bank website or in person at a TD Bank branch. Applying online is quick, and you’ll hear back in a few days.

If you get approved for the TD Cash Back Visa Infinite, you’ll enjoy many benefits. You’ll earn cash back on your daily purchases. Knowing the application steps and having your documents ready makes applying easy.

Required Document	Purpose
Government-issued photo ID	Verify your identity
Proof of income	Assess your financial standing
Social Insurance Number (SIN)	Identification and tax purposes
Information about existing credit	Evaluate your creditworthiness

Fees and Interest Rates Linked to the Card

When you look at the TD Cash Back Visa Infinite, knowing the fees and interest rates is key. These can greatly affect how much you get from the card. Let’s dive into the important fees and rates you need to know.

Annual Fee

The TD Cash Back Visa Infinite card doesn’t have an annual fee. This makes it a great choice for those who want to earn cash back without extra costs. With no annual fee, you get to keep more of your money in your pocket.

Interest Rates

The interest rate for the TD Cash Back Visa Infinite card changes based on your credit score and market conditions. The card usually has a good APR for purchases, balance transfers, and cash advances. Always check the current rates and terms before applying to make sure it fits your financial situation.

Card Feature	Rate
Purchase APR	19.99% – 24.99% (variable)
Balance Transfer APR	19.99% – 24.99% (variable)
Cash Advance APR	24.99% (variable)

Understanding the fees and interest rates of the TD Cash Back Visa Infinite helps you decide if it’s right for you. Always use your credit card wisely to get the most out of it.

Comparing TD Cash Back Visa Infinite with Other Cash Back Cards

The TD Cash Back Visa Infinite card is one of many options in Canada for cash back rewards. To see if it’s right for you, let’s compare it with other popular cards. This will help you decide based on your spending and financial goals.

Rewards Structure Comparison

The TD Cash Back Visa Infinite gives 3% cash back on groceries, 2% on bills and gas, and 1% on other purchases. The Scotiabank Momentum Visa Infinite card offers 4% on groceries and bills, 2% on gas and transit, and 1% on everything else.

Welcome Bonus Comparison

The TD Cash Back Visa Infinite has a $300 welcome bonus for spending $3,000 in 90 days. The CIBC Dividend Visa Infinite card gives a $300 bonus for spending $2,000 in four months.

Annual Fee Comparison

The TD Cash Back Visa Infinite and Scotiabank Momentum Visa Infinite both cost $120 a year. The CIBC Dividend Visa Infinite is cheaper at $99 a year.

Choosing the best cash back credit card depends on your spending and financial goals. By comparing the TD Cash Back Visa Infinite with other top cash back credit cards and rewards credit cards, you can find the best fit for you.

Advantages and Disadvantages of the TD Cash Back Visa Infinite

The TD Cash Back Visa Infinite credit card has good points and bad points. Let’s explore the benefits and drawbacks of this cash back credit card.

Pros

• Generous cash back rewards: The card offers up to 3% cash back on eligible purchases. This helps cardholders save a lot.
• No annual fee for the first year: New cardholders get to enjoy the card’s perks without paying a fee upfront. It’s a great deal.
• Welcome bonus offer: New cardholders can earn a big welcome bonus. This is an extra reason to sign up.
• Flexible redemption options: Cardholders can use their cash back in many ways. This includes statement credits, direct deposits, or gift cards.
• Comprehensive insurance coverage: The TD Cash Back Visa Infinite comes with a lot of insurance benefits. This includes travel and purchase protection, giving cardholders peace of mind.

Cons

1. Annual fee after the first year: Although the card is free for the first year, there’s an annual fee of $120 after that. This is to keep the account active.
2. Potential for higher interest rates: The TD Cash Back Visa Infinite might have a higher interest rate. This could be a problem for those who carry a balance.
3. Limitations on eligible purchases: The card’s cash back rates might not apply to all purchases. This could limit the earning potential for some.
4. Minimum redemption threshold: Cardholders need to earn a minimum amount of cash back before they can redeem it. This might not work for everyone.

By looking at the pros and cons of the TD Cash Back Visa Infinite, people can decide if it’s right for them. This cash back credit card might fit some spending habits and financial goals.

FAQ

What is the TD Cash Back Visa Infinite card?

The TD Cash Back Visa Infinite is a cash back credit card from TD Bank in Canada. It lets you earn cash back on daily purchases. You also get valuable benefits and perks.

What is the maximum cashback I can earn with the TD Cash Back Visa Infinite?

You can earn cash back as follows: – 3% on grocery and bill payments – 2% on gas and transit – 1% on all other purchases

What is the welcome bonus offer for the TD Cash Back Visa Infinite?

The TD Cash Back Visa Infinite has a great welcome bonus. It can be a cash back sum or a high earn rate for a few months. Check the current offer for details.

What are the key benefits of the TD Cash Back Visa Infinite?

The TD Cash Back Visa Infinite offers many benefits. These include: – No annual fee for the first year – Travel accident insurance – Extended warranty and purchase protection – Access to the Visa Infinite Concierge service

What are the eligibility requirements for the TD Cash Back Visa Infinite?

To get the TD Cash Back Visa Infinite, you need: – A minimum income of $60,000 or a household income of $100,000 – Good to excellent credit – To be a Canadian resident

How do I apply for the TD Cash Back Visa Infinite?

To apply, visit the TD Bank website or contact a TD branch. You’ll need to provide personal info and documents to prove your identity and creditworthiness.

What are the fees and interest rates associated with the TD Cash Back Visa Infinite?

The TD Cash Back Visa Infinite has a $120 annual fee, waived for the first year. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%. There may be other fees, so check the details.

How does the TD Cash Back Visa Infinite compare to other cash back credit cards?

The TD Cash Back Visa Infinite has competitive cash back rates, especially for groceries, gas, and transit. However, it has a higher annual fee and stricter eligibility than some cards. Consider your spending and goals to see if it’s right for you.

What are the pros and cons of the TD Cash Back Visa Infinite?

Pros: – High cash back rates in key categories – Generous welcome bonus – No annual fee for the first year – Useful travel and purchase protection Cons: – $120 annual fee after the first year – Stricter eligibility than some cards – Limited cash back in some categories

How can I maximize my cash back with the TD Cash Back Visa Infinite?

To get the most cash back, follow these tips: – Spend more in the 3% and 2% categories – Use any promotional offers or bonus earning chances – Make eligible bill payments to earn 3% cash back – Redeem your cash back often to avoid it expiring – Keep an eye on your spending and adjust to earn the highest rates