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TD Cash Back Visa Infinite: Worth the First-Year Perks?
Explore how the TD Cash Back Visa Infinite's first-year perks can save you $600, but watch out for the $139 annual fee and high APR.
The Quick Version
The TD Cash Back Visa Infinite Card offers a tempting first-year deal with a $600 value, including a rebate on the $139 annual fee. However, the standard APR of up to 22.99% is on the high side. source
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
TD Cash Back Visa Infinite Card
First-year offers shine, but watch out for high ongoing fees.
Fees & Rates
Expect to pay a $139 annual fee after the first year, with the first-year rebate sweetening the deal. The card's APR ranges from 21.99% on purchases to 22.99% for cash advances. Additional cardholders cost $50 each for the first card, but subsequent ones are free. source
What's Actually Good
The TD Cash Back Visa Infinite card stands out with a 10% cash back on eligible purchases for the first three months (up to $3,500). Plus, the annual fee rebate makes it an attractive initial choice for those meeting the $60,000 personal or $100,000 household income threshold. source
The Catch
Once the first-year perks expire, the $139 annual fee and high APRs become significant considerations. If you carry a balance, the 22.99% cash advance rate could quickly negate any cash back benefits. source
This Card Is For You If...
This card suits high earners (over $60,000 annually) who plan to maximize the 10% cash back in the first three months without carrying a balance. It's less ideal for those who frequently carry balances or need a card with lower ongoing fees.
The Bottom Line
The TD Cash Back Visa Infinite is excellent for its first-year incentives but could be costly in the long run. Consider your spending habits and balance-carrying tendencies before committing. For more insights on rewards cards, check out The Truth About Rewards Credit Cards in 2026.
