TD Offer: Up To $350 Cash Back + First-Year Annual Fee Rebate!

Updated Jan 27, 2025
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
All posts by Alexandrine Bertrand
Offer - TD Cash Back Visa Infinite* Card
To the point Get up to $350 cash back and a first-year annual fee rebate with this TD credit card offer.

TD Welcome Offer

With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:

  • Grocery stores
  • Gas stations
  • Recurring invoices

And 1% cash back on all other purchases.

It’s the best TD cash back credit card, especially for gas purchases.

With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!

Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.

Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.

  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Offer effective as of January 7, 2025.

  • Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your account
  • Earn 1% Cash Back Dollars on all other Purchases made with your Card
  • Earn Cash Back Dollars on every eligible purchase.
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!
  • Your Cash Back Dollars never expire as long as your account is open and in good standing
  • Starbucks Bonus Offer for New Linked Members: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
  • 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
  • Complimentary Visa Infinite* Concierge service available 24/7
  • Mobile Device Insurance
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Recurring Payments3%
Value
  • Year 1 $969
  • Year 2+ $341
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Our take about this offer

This is the best offer for a cash back credit card available right now in Canada:

  • Up To $350 Cash Back
  • First-year free

You could earn 10% cash back on gas, groceries and pre-authorized payments for the first three months (up to $3,500 in purchases). That’s up to $350 cash back!

This represents the equivalent of $1,167 in monthly purchases over the first three months for groceries, gas or pre-authorized payments.

If you don’t make enough purchases in these categories, you could buy gift cards for other stores (Amazon, SAQ, IKEA, etc.) at your grocery store or gas station! You’ll earn 10% cash back (up to $3,500 in purchases in the first three months).

5X The Points On Amazon.ca For Cobalt Cardmembers!

Card Benefits

Cash Back Earning

With The TD Cash Back Visa Infinite* Card, you get :

  • 3% cash back on gas, grocery and pre-authorized payments
  • 1% cash back on all your other purchases

It is one of the best-earning rates you can get with a cash back credit card for gas, grocery and pre-authorized payments.

supermarket 949913 1280

Cash Back Redemption

Once you’ve reached $25 cash back, you can redeem it at any time as a statement credit on your TD Cash Back Visa Infinite* Card.

It’s convenient: other credit cards don’t offer this flexibility to redeem cash back at any time, often requiring you to wait for the annual renewal of the Card.

You’ll be able to quickly take advantage of your cashback of up to $350 earned with this welcome bonus!

Canadian dollars

Visa Infinite Services and Benefits

As a Visa Infinite level card, you receive many Visa Infinite benefits and services:

  • Complimentary Visa Infinite* Concierge: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection: Receive exclusive benefits when you book your stay through the collection featuring over 900 of the world’s most intriguing properties. Read our article on this service.
  • Visa Infinite Food and Wine Experiences: Enjoy exclusive access to gourmet events at some of Canada’s top restaurants. Plus, receive premium benefits at participating wineries in British Columbia and Ontario. Find more here.

Insurance

With the TD Cash Back Visa Infinite* Card, you benefit from top-of-the-range insurance:

  • Travel Medical Insurance
  • Delayed and Lost Baggage Insurance
  • Emergency Travel Assistance Services
  • Auto Rental Collision/Loss Damage Insurance
  • Purchase protection and Extended Warranty

Free Deluxe TD Auto Club Membership

As a TD Cash Back Visa Infinite* Cardholder, you enjoy complimentary membership of the TD Deluxe Auto Club. That’s a $79 value. This will save you the cost of the CAA.

The Deluxe TD Auto Club service covers you no matter whose vehicle you’re driving, anywhere in Canada and the Continental United States.

Emergency Road and Towing Services

The following are the primary services offered by the Deluxe TD Auto Club (up to 200 kilometres) for emergency road and towing services:

  • Emergency service calls
  • Lockout service
  • Breakdown Towing
  • Winching Services

You can also receive personal transportation, up to $25 (within 80 kilometres of home). This can come in handy if you have a mechanical breakdown so you can get to your destination.

Traffic Accident Emergency Services

The Deluxe TD Auto Club offers emergency services in the event of a traffic accident:

  • Accident Towing (up to $200)
  • Emergency transportation/rental car (up to $200)
  • Emergency Accommodation and Meals (up to $200)
  • Return to Location of Repair Site (up to $200)
  • Personal Necessities while staying at the hotel (up to $50)
car trailer

Stolen Vehicle Emergency Services

The Deluxe TD Auto Club also offers emergency services in the event of vehicle theft:

  • Emergency transportation/rental car (up to $200)
  • Emergency Accommodation and Meals (up to $200)
  • Return to Location (up to $200)
  • Personal Necessities while staying at the hotel (up to $50)

Hazardous Weather Services

Finally, in case of bad weather, the Deluxe TD Auto Club offers you these services:

  • Emergency Accommodation and Meals (up to $200)
  • Towing (up to 200 kilometers)

Bottom Line

Do you have important purchases to make soon? Take advantage of this welcome offer for the TD Cash Back Visa Infinite* Card and earn up to $350 cash back, with no annual fee for the first year.

  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Offer effective as of January 7, 2025.

  • Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

  • Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments set up on your account
  • Earn 1% Cash Back Dollars on all other Purchases made with your Card
  • Earn Cash Back Dollars on every eligible purchase.
  • Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!
  • Your Cash Back Dollars never expire as long as your account is open and in good standing
  • Starbucks Bonus Offer for New Linked Members: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
  • 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
  • Complimentary Visa Infinite* Concierge service available 24/7
  • Mobile Device Insurance
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
    20.99 % (QC)
  • Cash Advance Rates 22.99 %
    20.99 % (QC)
  • Balance Transfer Rates 22.99 %
    20.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Recurring Payments3%
Value
  • Year 1 $969
  • Year 2+ $341
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine
Jean-Maximilien Voisine
Jean-Maximilien, President and Founder of Milesopedia, is a recognized expert in rewards programs, credit cards, and travel in Canada and France. Approaching forty and a father of two, he has travelled to over 100 countries, half of them with his children and his wife, Audrey. Specializing in top loyalty programs like Aeroplan, American Express Membership Rewards, and Marriott Bonvoy, he guides travellers to maximize their benefits across North America and Europe.
All posts by Jean-Maximilien Voisine

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