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The TD Cash Back Visa Infinite* Card is designed for those who want to earn more. It’s offered by TD Bank and gives you cash back on your spending. This is especially good for grocery, gas, and bills.
It also has a rewards program and offers insurance and roadside help. Plus, there’s a welcome bonus. This makes it a great choice for Canadians wanting to get more from their money.
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Overview of the TD Cash Back Visa Infinite* Card
TD Cash Back Visa Infinite* Card
The TD Cash Back Visa Infinite* Card is a top choice for those wanting to earn more on daily purchases. It’s perfect for Canadians who meet certain income levels. This card makes earning rewards easy, especially on things like groceries, gas, and dining.
This card comes with many benefits to improve your financial life. It offers a great sign-up bonus and travel and purchase protections. It’s a top pick from TD Bank, offering lots of value and satisfaction.
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Key Features of the TD Cash Back Visa Infinite* Card
The TD Cash Back Visa Infinite* Card offers many great features for different needs. You can earn 3% cash back on things like groceries, gas, and streaming services. This means you get more back on your daily spending.
There’s also 1% cash back on all other purchases. This makes sure you’re rewarded for every dollar you spend. Plus, you get access to Visa Infinite concierge services. They help with travel, dining, and special experiences.
The card also comes with important insurance benefits. You get travel interruption and lost or delayed baggage insurance. And, there’s 24/7 emergency roadside assistance through the Deluxe TD Auto Club membership. These features show the card’s focus on care and convenience, making it great for daily use and travel.
Cash Back Earning Structure
The TD Cash Back Visa Infinite* Card rewards cardholders for their daily spending. It offers different earning rates for various purchase categories. This makes it flexible for different spending habits.
3% Cash Back on Select Categories
Cardholders get 3% cash back on certain categories. They can earn up to $15,000 annually. The 3% cash back categories include:
- Groceries
- Gas and electric vehicle charging
- Public transit
- Digital goods, including gaming and streaming services
After reaching the annual limit, the rate drops to 1% cash back. This applies to any spending in these categories.
1% Cash Back on Other Purchases
For all other purchases, cardholders earn a simple 1% cash back. This easy structure helps track rewards. It suits various spending patterns, making it user-friendly.
Welcome Bonus and First-Year Benefits
The TD Cash Back Visa Infinite* Card offers great benefits for new users. It’s perfect for those wanting quick rewards. New cardholders can get 10% cash back on eligible purchases in the first three months, up to $3,500. This means you could earn up to $350 in rewards during that time.
10% Cash Back in Initial Months
The 10% cash back offer in the first months is very enticing. It encourages users to make the most of their purchases. This makes the card even more appealing by offering rewards on everyday spending.
Annual Fee Waived for the First Year
New cardholders also get a break with an annual fee waiver. This applies to the primary cardholder and the first additional cardholder. It saves $189 in the first year, making it easier to try out the card’s benefits without worrying about costs. These benefits make the TD Cash Back Visa Infinite* Card even more attractive.
Insurance and Roadside Assistance Benefits
The TD Cash Back Visa Infinite* Card offers great insurance benefits. These benefits make your travel safer and more enjoyable. You can handle unexpected problems like trip delays or lost luggage easily.
Travel Insurance Coverage
This card has wide travel insurance. It protects you in many situations. This means you can travel without worry.
- Trip cancellation or interruption
- Lost or delayed baggage
- Emergency medical expenses
These benefits help reduce financial worries while you travel. You can then enjoy your trip more.
24/7 Emergency Roadside Assistance
The card also gives you 24/7 Emergency Roadside Assistance. This is worth $89. It’s part of a Deluxe TD Auto Club membership. It helps when you face car problems or emergencies while traveling.
- Towing services
- Battery boosts
- Flat tire support
- Lockout assistance
With roadside help always available, you can drive safely. You know help is just a call away.
Eligibility Criteria for the TD Cash Back Visa Infinite* Card
To get the TD Cash Back Visa Infinite* Card, you must meet certain rules. First, you need to live in Canada and be at least 18 years old. This makes sure the card is for people who live in Canada.
Next, you must show you make enough money. You need to earn at least $60,000 a year yourself or $100,000 with your family. This shows you can handle credit well. Also, having a good credit score helps a lot. Even though there’s no exact score needed, a better score is always good.
Comparing TD Cash Back Visa Infinite* Card to Other TD Cards
The TD Cash Back Visa Infinite* Card is a top choice among TD credit cards. It offers high earning potential and extra benefits. When comparing cards, it’s key to see how the TD Cash Back Visa Infinite* compares to other TD cards.
Differences from TD Cash Back Visa
The main difference between the TD Cash Back Visa Infinite* Card and the standard TD Cash Back Visa is their earning rates and annual fees. The Infinite card gives:
- Higher cash back rates on certain categories.
- Better travel and purchase protection.
- A higher annual fee, but rewards for those who spend a lot.
The TD Cash Back Visa has no annual fee. It’s great for those who want simple cash back without limits on earning categories.
Alternative Options for Earning Rewards
TD also offers other cards for different needs. For example:
- TD Aeroplan Visa Infinite gives travel points for those who love airline rewards.
- TD Rewards Visa lets you earn points for various rewards, perfect for flexible spenders.
These options show the importance of choosing a card that fits your spending and financial goals.
How to Apply for the TD Cash Back Visa Infinite* Card
Applying for the TD Cash Back Visa Infinite* Card is easy. Start by going to the TD Bank website and clicking on Apply Online. You’ll then follow a series of steps to fill out your personal info, like where you live and work.
They also ask about your income to check if you qualify. This helps them see if you’re a good fit for the card.
After you’ve filled out the application, TD Bank checks it to see if you can get the card. They’ll let you know if you’re approved. This way, you know exactly where you stand.
Customer Feedback and Ratings
It’s important to listen to what customers say about financial services. TD Bank has faced recent feedback that shows room for improvement. Looking at TD Bank ratings, it’s clear they need to work on making customers happier.
TD Bank Customer Satisfaction
In 2024, J.D. Power ranked TD Canada Trust 10th out of 13 in customer satisfaction. This ranking means many customers are not fully satisfied. People are talking about the need for better support and service.
Trustpilot and BBB Ratings
Trustpilot shows a low score of 1.4 out of 5 stars for TD Bank. Many users are unhappy with the bank’s services. The Better Business Bureau (BBB) also has a low rating of F, with a score of 1.3 out of 5 from over 60 reviews. This feedback shows big challenges in making banking a positive experience for many.
Conclusion
The TD Cash Back Visa Infinite* Card offers many benefits for eligible Canadians. It has a great cash back rewards program and first-year perks. But, it has a higher annual fee and strict income rules, which might not fit everyone.
Thinking about getting this card? Look at your spending and financial goals first. The card’s rewards can be big if you use it right. But, it’s key to see if it matches your financial needs.
Choosing the TD Cash Back Visa Infinite* Card should be a smart decision. Weigh its good points against its downsides. This way, you can pick a card that really helps your finances.
