TD Cash Back Visa Infinite Card

Relevant if: you can benefit from its documented earning categories.

Less suitable if: you do not recover at least $139 in value to offset the annual fee.

Annual fee: $139
Reward type: Cash back
Welcome offer: Confirmed offer · not valued in the estimate
First-year estimate (without the offer): $221

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$221

Annual fee thereafter: $139
First-year fee: To be confirmed — recurring fee of $139

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $221
Recurring annual fee already deducted: $139
Welcome-offer value earned during the first 12 months: Offer confirmed, but not yet valued by Futello — not included
First-year fee: To be confirmed — recurring fee of $139

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current official offer End date not published

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Current offer · not enough history to compare
Offer quality: Good Futello rating grid

Welcome bonus: 40,000 points
Requirements: $3,500 in spending within 3 months
Last verified: August 19, 2026 · Verification is old (33 days)

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Earning

Rewards

Category	Reward	Conditions
Other purchases	1%	Cap not documented
Gas and EV charging, Groceries, Pre-authorized payments, streaming and digital services, and Public transit	3%	$15,000 cap / year · 1% after the cap

Fees and eligibility

Annual fee thereafter: $139
Additional card: $50, up to 3 cards (rebated for the first year)
Published minimum income: $60,000 personal or $100,000 household
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Visa Infinite program benefitsConfirmed

Insurance

Rental car collision and loss damage insurance 48 days

Conditions

Eligible rental vehicle for up to 48 consecutive days with MSRP no greater than CAD 65,000; decline the rental agency collision damage waiver and pay the full rental cost with the card.
Main exclusions: Excluded vehicles and losses include vans and cargo vans, pickup trucks, off-road vehicles, motorcycles, exotic and antique vehicles, liability, personal injury, intoxication, criminal acts, wear and tear, and violations of the rental agreement.
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Delayed and lost baggage insurance $1,000

Conditions

Up to CAD 1,000 per covered person per trip; the ticket must be paid in full with the card; delayed baggage requires a delay over 6 hours.
Main exclusions: Unchecked baggage, money, securities, tickets and documents, government seizure, and losses on return to the home province or territory are excluded as stated in the summary.
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Mobile device insurance $1,000

Conditions

Up to CAD 1,000; charge at least 75% of the device cost to the card, or the required upfront costs and monthly wireless payments under an eligible wireless plan. Insurer approval is required before repair or replacement.
Main exclusions: Accessories, batteries, devices bought for resale or commercial use, repairs or replacement before insurer approval, and claim-frequency limits stated in the summary apply.
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Purchase security and extended warranty Confirmed

Conditions

Included coverage; detailed conditions remain in the official certificate.
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View 2 more coverages

Emergency travel medical insurance $2,000,000

Conditions

Per insured person per covered trip; Canadian residency, proof of travel and valid government health insurance are required. Coverage is for the first 10 consecutive days at age 64 or under and the first 4 consecutive days at age 65 or older.
Main exclusions: Limitations include medical conditions that are not stable, pregnancy, a child born during the trip, excessive alcohol use, high-risk activities and applicable pre-existing conditions.
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Trip interruption insurance Confirmed

Conditions

Included coverage; detailed conditions remain in the official certificate.
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Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

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