How is the $350 welcome cash back bonus triggered on the TD Cash Back Visa Infinite* Card?

The welcome offer provides 10% cash back on grocery, gas station, and pre-authorized payment purchases during the first three months, up to a cap of $3,500 in purchases — which caps the bonus at $350. The $139 annual fee is also waived for the first year (for both the primary cardholder and additional cards). To optimize the bonus, you need to plan for approximately $1,200 per month in these categories during the quarter following approval.

What are the regular cash back rates on the TD Cash Back Visa Infinite* Card?

After the welcome period, the card provides 3% cash back on four categories: groceries, gas and EV charging stations, public transit, as well as recurring payments. All other purchases earn 1%. There is no annual cap on the 3% categories, which distinguishes this card from competitors that typically impose a threshold between $25,000 and $80,000. For a household that spends $12,000 per year in these categories, the return is approximately $360.

Is the TD Cash Back Visa Infinite* Card accepted at Costco in Canada?

No. It's a Visa, and Costco Canada only accepts Mastercard at checkouts and gas pumps. You can use it on Costco.ca for online orders. For warehouse purchases at Costco, you need to have a backup Mastercard such as the CIBC Costco Mastercard or the MBNA Rewards World Elite Mastercard. Most Canadian households use the TD Cash Back for their grocery shopping outside Costco and a separate Mastercard for Costco — the two cards complement each other well.

What are the travel benefits of the TD Cash Back Visa Infinite* Card?

The card includes Visa Infinite Concierge service, access to the Visa Infinite Luxury Hotel Collection, emergency medical travel insurance, baggage insurance, rental car insurance, and complimentary membership to TD Auto Club Rewards (value of $79). Cash back can be redeemed starting at $25 via TD MyCard or automatically applied to the card balance. For an occasional traveler who wants basic coverage without paying the premium of a premium travel card, it's an excellent compromise.