TD Cash Back Visa Infinite, How Canadians Can Maximize 3% Cash Back on Groceries, Gas and Recurring Bills
Practical, proven Canadian tactics to unlock the full 3% cash back on groceries, gas and recurring bills with your TD Cash Back Visa Infinite
Why Canadians choose the TD Cash Back Visa Infinite
The TD Cash Back Visa Infinite is a top pick for many folks across Canada because it pays 3% cash back on groceries, gas and recurring bills—categories that drive everyday spending in Toronto, Vancouver and beyond. For households that regularly buy groceries at Loblaws or fuel up at Petro-Canada, that rate turns routine purchases into meaningful savings.
Beyond cash back, cardholders get travel insurance, purchase protection and Visa Infinite perks, which can offset the $120 annual fee quickly if you use the card properly. The combination of robust benefits and straightforward redemptions makes the TD Cash Back Visa Infinite a practical choice for Canadian consumers who want a reliable rewards card.
Eligibility, fees and insurance essentials
To qualify in Canada you typically need a minimum personal income of $60,000 (or $100,000 household), be a Canadian resident and meet provincial age requirements; TD Bank’s online application process is simple and fast. The annual fee sits at $120, with occasional first-year rebates or welcome offers that lower your initial cost.
Travel and purchase protections included with the TD Cash Back Visa Infinite add tangible value—travel medical, trip cancellation and extended warranty shield you while travelling or shopping. Always review TD’s policy details so you understand limits, claim steps and how to trigger coverage using the card for bookings.
Smart spending strategies to earn 3% cash back
Maximise the 3% cash back by charging groceries, petrol and recurring bills like mobile, streaming, and utilities to your TD Cash Back Visa Infinite each month; set those payments to automatic so you never miss a cycle. Split household expenses across family budgeting apps and the card to concentrate eligible spend in the highest-earning categories.
For other purchases you still earn 1% cash back, so use the card broadly but be mindful of interest: pay your balance in full every month to avoid the near-20% interest rate on purchases. Keep an eye on TD promotions, balance transfer offers or seasonal merchants where temporary category boosts may increase your effective return.
Comparisons, perks and final Canadian tips
Compared to TD’s lower-tier cards, the TD Cash Back Visa Infinite stands out for everyday grocery and gas rewards; if your annual grocery and fuel spend is significant, the 3% rate quickly surpasses no-fee alternatives. Factor in travel insurance and concierge benefits when weighing the $120 fee—frequent travellers often find the net value compelling.
Ready to decide? Check your eligibility, estimate annual cash back from typical spending, and apply online with TD if the math lines up; consider pairing the card with a no-fee secondary card for niche categories. Small changes—moving recurring bills and weekly groceries to the TD Cash Back Visa Infinite—can produce steady, practical savings across Canada.