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 2026-07-20
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
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.
~$318/year in rewards at this spend − $139 fee = $179/year
The fee pays for itself at this spend — keeping it is defensibleAt this spending mix, the card breaks even around $600/month on the card. 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; they ignore category earn caps and any retention offer the issuer might make if you call. Perks you actually use — insurance, lounge visits — are value on top of this math, so weigh them before cancelling.
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 2026-07-20. Details change often — confirm current terms with the issuer before applying.
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