TD · Rewards Calculator
TD Cash Back Visa Infinite CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Grocery, Gas & Electric Vehicle Charging, and Public Transit Purchases | 3% Cash Back Dollars |
| Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases | 3% Cash Back Dollars |
| All other Purchases | 1% Cash Back Dollars |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the TD Cash Back Visa Infinite Card.
Or try a quick-fill preset to get started
Ready to apply for the TD Cash Back Visa Infinite Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back Dollars.
Welcome Bonus
Bonus
10% Cash Back Dollars welcome bonus
~$350 estimated value
How to Earn It
10% cash back
Spend $3,500 first 3 months
Card Details
- Annual Fee
- $139/yr (1st year waived)
- Additional Card Fee
- $50
- Network
- Visa
- Rewards Program
- TD Cash Back
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $60,000
- Lounge Access
- No
Insurance & Perks
- Travel medical insurance (up to $2 million for first 10 days, 4 days if 65+)
- Delayed and lost baggage insurance
- Emergency travel assistance services
- Auto rental collision/loss damage insurance
- Mobile device insurance
- Emergency roadside assistance (Deluxe TD Auto Club)
- Visa Zero Liability
How to Use the TD Cash Back Visa Infinite Card Rewards Calculator
This calculator helps you estimate how many Cash Back Dollars you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the TD Cash Back Visa Infinite Card's earn rates to show you a complete breakdown.
Understanding TD Cash Back Visa Infinite Card Earn Rates
The TD Cash Back Visa Infinite Card earns Cash Back Dollars at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Grocery, Gas & Electric Vehicle Charging, and Public Transit Purchases: 3% Cash Back Dollars
- Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases: 3% Cash Back Dollars
- All other Purchases: 1% Cash Back Dollars
By focusing your spending on the highest-earning categories, you can maximise the value you get from the TD Cash Back Visa Infinite Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Cash Back Dollars
The true value of your Cash Back Dollars depends on how you redeem them. As part of the TD Cash Back program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $139 Annual Fee Worth It?
The TD Cash Back Visa Infinite Card carries an annual fee of $139. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.