TD Canada Trust
Cash Back Visa Infinite, up to 10% bonus cash back for 3 months, $600 in first-year value, $139 annual fee, premium insurance, and rewards flexibility.
If you’re seeking a rewarding cash back credit card, the TD Cash Back Visa Infinite Card is a top contender. This card currently offers up to $600 in first-year value, highlighted by a 10% cash back rate for the first three months (on bonus eligible purchases up to $3,500). There’s a $139 annual fee, with a competitive interest rate of 21.99% for purchases and 22.99% on cash advances. You also get insurance coverage and flexible redemption options.
Como se candidatar: passo a passo
- Review the card’s eligibility requirements, including minimum personal income.
- Gather necessary documents (personal identification, financial info).
- Visit the official application page and fill out your information.
- Envie sua inscrição online e aguarde a aprovação.
- Activate your card and make your first purchase to unlock the welcome bonus.
Pros: Advantages Worth Highlighting
The TD Cash Back Visa Infinite Card stands out with its high 10% cash back offer for new users, providing substantial value right from the start. Everyday spending earns ongoing cash back, especially on groceries, gas, and select bill payments.
Flexibility is a key benefit, since cash back dollars never expire as long as your account is in good standing. Added insurance and purchase protection sweeten the deal for frequent users and families alike.
Contras: Considerações antes de se candidatar
The $139 annual fee is higher than many other cash back cards, and may deter those who prefer no-fee alternatives. Some benefits require hitting specific spending thresholds to unlock full value.
Cash back earn rates drop after bonus categories annual spend caps are reached, so high spenders may want to compare with other premium cash back cards for optimal rewards.
Veredito: Este é o cartão certo para você?
The TD Cash Back Visa Infinite Card is best suited for Canadians with higher monthly spending, especially in eligible bonus categories. Its upfront rewards and comprehensive coverage make it a great value for most households willing to pay an annual fee.
