Applying for a premium credit card in Canada can feel overwhelming at first, especially when income requirements, benefits, and documentation are involved. The TD Cash Back Visa Infinite Card is one of the most popular cash back cards in the country, known for rewarding everyday spending while offering strong insurance coverage and Visa Infinite perks.

This guide explains, step by step, how Canadians can apply for the TD Cash Back Visa Infinite Card, what to prepare in advance, and what to expect during and after the application process.

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TD Cash Back Visa Infinite* Card

Cash Back Additional Cardholder $50 $0 for subsequent Additional Cardholders

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Why Choose the TD Cash Back Visa Infinite Card?

The TD Cash Back Visa Infinite Card is designed for Canadians who want simple, reliable rewards without managing points or travel portals. It focuses on high cash back earning on essential categories like groceries and gas, along with a base cash back rate on all other purchases.

Beyond rewards, the card includes comprehensive insurance coverage and premium Visa Infinite benefits, making it attractive for professionals, families, and households with steady income who want both value and protection.

Before You Apply: Key Eligibility Requirements

Before starting the application, it’s important to confirm that you meet the basic eligibility criteria. This helps avoid unnecessary credit checks and improves your chances of approval.

To apply, you must:

Be a Canadian resident and have reached the age of majority in your province or territory
Meet the minimum income requirement, which is typically a personal income of $60,000 or a household income of $100,000
Have a stable credit profile and not be under bankruptcy or insolvency proceedings

You should also be prepared to provide personal identification details, employment information, and income verification during the application.

Step 1: Access the TD Credit Cards Section

The application process begins on TD’s official website. From the main navigation menu, locate the section dedicated to Credit Cards. This area displays all TD credit cards available to Canadian customers, including cash back, travel, and airline rewards cards.

Browsing this section allows you to compare different options and confirms that the TD Cash Back Visa Infinite Card aligns with your financial goals.

Step 2: Locate the TD Cash Back Visa Infinite Card

On the credit cards page, you’ll see several premium TD products, such as travel and airline-focused cards. Among these options, find the TD Cash Back Visa Infinite Card.

Clicking on the card will take you to its detailed product page. Here, you can review important information such as cash back rates, annual fees, insurance coverage, and any current welcome offers. This step is essential to fully understand the card before applying.

Once you’re confident the card meets your needs, proceed to start the application.

Step 3: Start the Online Application

From the card’s product page, select the option to apply online. This will redirect you to TD’s secure application portal.

At this stage, you’ll be asked whether you are an existing TD customer. This choice affects how the application works:

Existing TD customers can log in using online banking credentials, which often allows personal details to be prefilled and speeds up the process.
New TD customers can continue as guests and complete the full application manually.

Both options are secure and accessible to applicants across Canada.

Step 4: Complete the Application Form

The application form is divided into several sections and typically takes only a short time to complete if you have your information ready.

You’ll be asked to provide:

Personal details such as your full legal name, date of birth, and current address
Employment status and income information to verify eligibility
Financial details related to existing credit products or obligations
Consent for TD to perform a credit check

Accuracy is very important at this stage. Providing incorrect or outdated information can delay the application or result in a declined decision.

Before moving forward, carefully review everything you’ve entered.

Step 5: Review Terms and Submit Your Application

Once the form is complete, you’ll be shown a summary of the card’s key terms and conditions. This includes interest rates, annual fees, cash back structure, and insurance coverage.

Take a moment to read this information carefully. When you’re ready, submit your application for review.

In many cases, TD provides an instant decision. In other situations, additional review may be required, and you may receive a response within a few business days.

Step 6: Application Review and Approval

After submission, TD will assess your application based on your credit profile, income, and overall financial situation.

If additional information is required, TD may contact you directly. Responding promptly helps ensure a smoother and faster approval process.

Once approved, you’ll receive confirmation that your TD Cash Back Visa Infinite Card is being issued and mailed to your Canadian address.

Step 7: Receive and Activate Your Card

Your card will arrive by mail, usually within a short timeframe depending on your location in Canada.

Before using it, you must activate the card. Activation is typically done through TD’s online banking platform, mobile app, or by phone. The instructions included with your card will guide you through this process.

After activation, your card is ready to use, and you can begin earning cash back immediately.

Step 8: Start Earning Cash Back

Once active, use your TD Cash Back Visa Infinite Card for everyday purchases, especially in high-earning categories like groceries and gas. Cash back is automatically tracked and accumulated without any extra steps.

You can monitor your spending, rewards, and statements through TD’s online banking tools, making it easy to manage your account and maximize value.

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Toronto-Dominion Bank

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Tips to Improve Your Chances of Approval

To increase your likelihood of approval, make sure your credit profile is in good standing before applying. Avoid submitting multiple credit applications in a short period, and ensure your income information is accurate and up to date.

If you already have a relationship with TD, such as a chequing or savings account, this may help streamline the application process, though it is not required.

Paying balances on time and keeping credit utilization low are also key habits that support a strong application.

Final Thoughts

Applying for the TD Cash Back Visa Infinite Card is a straightforward process for Canadians who meet the income requirements and want a premium cash back credit card. With a fully online application, clear steps, and quick decisions, TD makes it easy to apply with confidence.

For Canadians seeking a combination of strong cash back rewards, solid insurance coverage, and the reliability of a major Canadian bank, following this step-by-step process is the first step toward making the most of everyday spending.