TD Cash Back Visa Infinite
A competent cash-back card whose real differentiator is the bundled Auto Club membership. Usually second to the CIBC Dividend on pure rates.
- Annual fee
- $139 (First year free (current offer))
- Welcome bonus value (full offer)
- ≈ $350 10% cash back on gas, groceries, and pre-authorized payments for the first 3 months (up to $3,500 in purchases, $350 maximum), plus first year free
- First-year net value
- ≈ $500
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link · details verified Oct 4, 2026
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Standard Score breakdown
StrongSix weighted components, each rated 0–10. “Contributes” is the rating × weight: add all six and you get a raw 7.13/10, published as 7.1/10.
Evidence behind each input
The facts are structured; the rating remains an editorial judgment. Open any component to audit what was considered without mistaking the evidence for an automatic formula.
First-year value6.5/10
The published first-year net value maps directly to the executable anchor ladder.
- $500 first-year net value maps to a 6.5/10 baseline.
- Published first-year input: 6.5/10, matching the baseline.
Ongoing value6.5/10
This input judges recurring earn and cash-like credits after the annual fee; the welcome offer and non-cash perks are excluded.
- $139 annual fee.
- Fee condition: First year free (current offer)
- Published earn: 3%: Gas, groceries, recurring payments; 1%: Everything else.
- No cap is stated in the structured earn rows.
Flexibility8.0/10
This input judges how easily Cash back can become useful value without forcing one narrow redemption path.
- Reward currency: Cash back.
Perk usability7.5/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- 4 published insurance benefits: Travel medical (10 days); Flight delay; Rental car coverage.
- Other published benefit: Free Deluxe TD Auto Club roadside membership
Low friction9.0/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Visa acceptance; 2.5% foreign-transaction fee.
- Eligibility: $60,000 personal-income minimum; $100,000 household-income alternative.
Strategic fit6.5/10
This input asks whether the card fills a distinct role in a small wallet rather than duplicating another card; redemption quality is not counted again here.
- Ranking roles: cash-back.
- Fit case: TD loyalists with concentrated gas/grocery/bills spend who value the roadside membership.
- Main conflict: You're issuer-agnostic; the CIBC Dividend's 4% categories beat it.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Gas, groceries, recurring payments | 3% |
| Everything else | 1% |
Included insurance
Travel medical (10 days) · Flight delay · Rental car coverage · Mobile device insurance
02 / The case
What it does well, and what it costs you
Both sides of the ledger. A card that suits one wallet can be the wrong call in another, so the drawbacks are named as plainly as the benefits.
Why it earns its score
- 3% on the three biggest household categories, on a Visa
- Free Deluxe TD Auto Club roadside membership
- First-year-free offers appear regularly
Where it loses points
- 1% base rate is weak
- CIBC Dividend pays 4% on gas/groceries for a similar fee
Who it’s for
TD loyalists with concentrated gas/grocery/bills spend who value the roadside membership.
Who should skip it
You're issuer-agnostic; the CIBC Dividend's 4% categories beat it.
The bottom line
Standard Score 7.1/10 · Strong. We estimate ≈ $500 in first-year net value after the $139 fee.
Direct issuer link · no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
The welcome offer only lands once, and the waived first-year fee bills for real at renewal, so the keep-or-cancel question is whether the $139 fee still pays for itself on earn alone. Enter your monthly spend to see the recurring math.
Count credits, certificates, bags or lounge visits only at what they replaced for you, not brochure value.
~$318/year in rewards at this spend − $139 fee + $0 personally used recurring benefits = $179/year ongoing
Recurring rewards and benefits clear the fee; keeping it is defensibleAt this spending mix, the card breaks even around $590/month on the card after your recurring benefit value. Below that, the fee stops earning its keep.
Estimates price your spend at the card’s published earn rates and our Points Standard Index valuations; structured category caps are applied. Benefits and retention offers enter the math only through your inputs above. Eligibility, downgrade paths, credit-score effects, tax consequences, and benefit-certificate restrictions are not assessed; confirm options with the issuer before changing the account.
Welcome-offer history
We’ve tracked this card’s welcome offer since Jul 11, 2026 and log every change, so you can judge whether today’s offer is genuinely strong or just loudly advertised.
| Offer | Est. value | Recorded | Status |
|---|---|---|---|
| 10% cash back on gas, groceries, and pre-authorized payments for the first 3 months (up to $3,500 in purchases, $350 maximum), plus first year free | ≈ $350 | Jul 11, 2026 | Current |
Source: issuer card page · Last reviewed Oct 4, 2026. Details change often: confirm current terms with the issuer before applying.
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