How to Apply for the TD Cash Back Visa Infinite Credit Card

Looking to save money on your everyday purchases? Discover the TD Cash Back Visa Infinite, a credit card designed for Canadians who want rewards while spending. This card gives you the power to earn cash back on every purchase you make, helping you keep more of your hard-earned money in your pocket. Whether you’re filling up at the gas station or grabbing groceries, you’ll enjoy generous cash back rewards.

But it doesn’t stop there—enjoy additional perks like travel insurance coverage and exclusive Visa Infinite benefits, bringing peace of mind and convenience to your lifestyle. Applying for this card is straightforward, and understanding the benefits can smooth the process. Dive into the application details and start maximizing your savings with every swipe. Let’s explore how you can get your hands on this rewarding credit card and make the most of your spending habits.

Benefits of the TD Cash Back Visa Infinite Card

1. Generous Cash Back Rewards

The TD Cash Back Visa Infinite Card offers a competitive cash back rewards program. You can earn 3% cash back on eligible grocery purchases, which can significantly help families save on their monthly food expenses. Imagine spending $500 per month on groceries; that equals $15 back each month, or $180 per year! Additionally, enjoy 3% cash back on eligible gas purchases and 1% on everything else. To maximize these rewards, try to use the card for your regular spending, especially in these categories, while always paying off the balance to avoid interest charges.

2. Premium Travel Insurance

Your card comes with comprehensive travel insurance, including travel medical, trip cancellation, and auto rental collision/loss damage insurance. This benefit can save you hundreds in insurance costs when planning a trip. Always check the card’s insurance terms before traveling to ensure you’re covered. It’s a smart move to use this card to pay for travel expenses, as it activates the insurance coverage.

3. Convenient Airport Lounge Access

Another perk is access to the Visa Infinite Concierge service and the luxurious airport lounges through Visa Airport Companion Program. This can make your travel experience more relaxing and enjoyable. Remember to keep a Visa Infinite card with you and check lounge availability before you arrive at the airport.

4. Purchase Security and Extended Warranty Protection

With the TD Cash Back Visa Infinite Card, you get purchase security and extended warranty on eligible items. This means that eligible purchases are covered for damage, loss, or theft for 90 days, and you may receive an extended warranty option. When buying high-value items like electronics or appliances, paying with your card can offer peace of mind and potential cost savings in case of unexpected issues.

SEE HOW TO GET YOUR TD CASH BACK VISA INFINITE

The TD Cash Back Visa Infinite card stands out by offering a rewarding cash back structure and a plethora of travel benefits. For those who frequent grocery stores and gas stations, the card offers impressive cash back rates, allowing users to earn up to 3% on these purchases. This means that everyday spending can translate to tangible rewards, making it an ideal choice for families and frequent shoppers alike. By simply using the card for regular payments, cardholders can enjoy extra cash rewards to reinvest into their finances.In addition, the card provides valuable travel perks, such as extensive travel insurance coverage, which includes trip cancellation, emergency medical, and flight delay benefits. Furthermore, cardholders can access exclusive airport lounges, delivering added comfort and convenience during their travels. These features not only help to elevate the traveling experience but also provide peace of mind when you are away from home. The TD Cash Back Visa Infinite card caters to those looking to maximize their spending while enjoying a suite of travel benefits, making it a well-rounded choice for everyday consumers and travelers alike.

Requirements for TD Cash Back Visa Infinite Application

• Minimum Personal Annual Income: To qualify for the TD Cash Back Visa Infinite card, individuals must have a minimum annual personal income of at least CAD $60,000. This ensures that the applicant has a steady income flow to handle credit repayments effectively.
• Household Income Requirement: Alternatively, if you are applying jointly with a household, the combined household income must be at least CAD $100,000 annually. This is suitable for families or households sharing financial responsibilities.
• Canadian Residency: Applicants must be Canadian residents. This card is tailored to meet the financial needs and spending habits of those residing in Canada.
• Good Credit Score: A strong credit score, typically above 650, is required. A good credit score indicates to the lender that you are a reliable borrower with a history of repaying debts on time.
• Age of Majority: You must be the age of majority in your province or territory of residence. This legal age is determined by Canadian law, ensuring you can legally enter into a credit agreement.

SIGN UP TO GET YOUR TD CASH BACK VISA INFINITE

How to Apply for the TD Cash Back Visa Infinite

Step 1: Access the Official TD Bank Website

Start your application by visiting the official TD Bank website. Navigate to the credit cards section where you can find detailed information on the TD Cash Back Visa Infinite card. Make sure you are accessing the Canadian version of the site to ensure all information is relevant to your location.

Step 2: Review the Card’s Details and Requirements

Before applying, take some time to thoroughly review the card’s benefits, interest rates, and eligibility requirements. This card offers rewards on your purchases which you may find beneficial. Ensure you meet the requirements such as the minimum income level, credit score, and any other necessary criteria.

Step 3: Begin the Application Process

Once you are familiar with the card’s benefits and meet the eligibility requirements, click on the “Apply Now” button. You will be guided to a secure application form. Fill in all required personal, financial, and employment information accurately. Double-check your information for any errors, as this can affect your application’s approval.

Step 4: Submit Your Application

After filling out the application form, submit your application for review. Depending on the bank’s policy, you may receive an instant decision, or they could take a few days to review your application. Be sure to check your email regularly for any updates from TD Bank.

Step 5: Wait for Approval and Receive Your Card

Once your application is approved, TD Bank will inform you via email. Your new TD Cash Back Visa Infinite card will be mailed to your address. Upon receiving it, follow the instructions provided to activate your card and start enjoying its benefits.

LEARN MORE DETAILS ABOUT TD CASH BACK VISA INFINITE

Frequently Asked Questions about the TD Cash Back Visa Infinite

What kind of cash back rewards can I earn with the TD Cash Back Visa Infinite?

With the TD Cash Back Visa Infinite card, you can earn 3% cash back on grocery purchases, 3% on gas expenses, and 3% on recurring bill payments. For all other purchases, you receive 1% cash back. These rewards are automatically accumulated and can be redeemed against your credit card balance, which helps reduce the amount you owe.

Are there any specific requirements to qualify for this credit card?

To qualify for the TD Cash Back Visa Infinite, applicants must have a personal income of at least $60,000 or a household income of $100,000. Additionally, your credit history should demonstrate strong creditworthiness to meet their approval criteria.

Is there an annual fee for the TD Cash Back Visa Infinite card?

Yes, there is an annual fee of $139 associated with the TD Cash Back Visa Infinite card. However, as a promotional offer, TD may waive the annual fee for the first year for both the primary and additional cardholders.

Does the TD Cash Back Visa Infinite offer any travel insurance or other perks?

Absolutely! The card includes travel medical insurance for up to ten days for travelers under 65 years old, delayed and lost baggage insurance, and flight/trip cancellation insurance. Other benefits include access to Visa Infinite Luxury Hotel Collection and the Visa Infinite Dining Series, which provide exclusive dining and travel experiences.

How can I redeem my cash back rewards?

Cash back rewards with the TD Cash Back Visa Infinite card can be redeemed in different ways: you can redeem them as a statement credit to reduce your balance at any time, or wait until they are redeemed automatically each January. This flexibility allows you to tailor the redemption process to suit your financial needs best.

Linda Carter

Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.