TD · Visa · Cash back
Reviewed 2026-07-05 · By The Points Standard editorial team
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.
Standard Score breakdown — Strong
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 7.28/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $139 |
| Welcome bonus | 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 |
| Est. bonus value | ≈ $350 |
| First-year net value | ≈ $500 |
Earn rates
| Gas, groceries, recurring payments | 3% |
| Everything else | 1% |
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.
Included insurance
Travel medical (10 days) · Flight delay · Rental car coverage · Mobile device insurance
Source: issuer card page · Last reviewed 2026-07-05. Details change often — confirm current terms with the issuer before applying.