This guide is a friendly, practical intro to the TD Cash Back Visa Infinite Card for Canadians. It shows who would get the most from a TD Visa Infinite product. It also details how to apply for a cash back credit card in Canada.

If you’re looking for a mid- to premium-tier card with great daily rewards and Visa Infinite benefits, this article is for you. We will guide you through features, reward rates, who can apply, fees, sign-up offers, and how to apply—both online and in-person. It includes tips on getting approved, managing your card, and dealing with TD’s customer service.

Keep in mind that product details like rates, offers, and fees may change. Always check TD’s official site or contact them directly before applying. We aim to be friendly and practical, focusing on Canadian residency and income requirements for the TD Cash Back Visa Infinite application.

Key Takeaways

• TD Cash Back Visa Infinite Card suits Canadians wanting high everyday rewards and Visa Infinite benefits.
• This guide shows how to apply TD Cash Back Visa Infinite online or in‑branch, step by step.
• Expect coverage of rates, eligibility, fees, welcome offers, and reward redemption details.
• Verify current product terms on TD’s website before you submit an application.
• The article is focused on Canadian requirements such as residency and income expectations.

Step-by-Step Guide – How to Apply for the TD Cash Back Visa Infinite* Card

Follow this detailed guide to apply for the TD Cash Back Visa Infinite Card*, one of Canada’s most popular cash back credit cards, known for its excellent rewards on groceries, gas, and everyday purchases.

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Why Choose the TD Cash Back Visa Infinite Card?*

The TD Cash Back Visa Infinite Card* is a premium cashback credit card that offers high earning rates on key spending categories such as gas, groceries, and recurring bill payments. It also comes with comprehensive travel and purchase insurance and often includes a welcome bonus for new applicants.

This card is perfect for Canadians who want to earn money back effortlessly while enjoying premium Visa Infinite benefits and strong financial protection.

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Before You Begin: What You’ll Need

To apply, make sure you meet the following basic requirements:

• You must be a Canadian resident.
• You must have reached the age of majority in your province or territory.
• You must meet at least one of the following income thresholds:
  • Personal annual income: $60,000 or more
  • Household annual income: $100,000 or more
• Have your Social Insurance Number (SIN), employment information, and income details ready.

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Step 1: Visit the TD Credit Cards Page

Start by visiting the official TD Bank Canada website:
👉 https://www.td.com/

From the homepage, open the main menu and click on “Credit Cards.” This will direct you to TD’s full range of credit card options.

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Step 2: Choose the TD Cash Back Visa Infinite Card*

On the credit card comparison page, you’ll see several TD products such as:

• TD First Class Travel® Visa Infinite Card*
• TD® Aeroplan® Visa Infinite Card*

Locate the TD Cash Back Visa Infinite Card*, typically listed under “Rewards” or “Cash Back” categories. Click “See Details” or “Learn More” to open the card’s product page and review its benefits.

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Step 3: Begin the Online Application

Once on the Cash Back Visa Infinite Card* page, you can view details such as:

• Cash back earning rates
• Annual fee and welcome offers
• Insurance coverage and cardholder benefits

When you’re ready, click the orange “Apply Now” or “Apply Online” button to start the application process.

You’ll then be redirected to TD’s secure online application portal.

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Step 4: Complete the Application Form

The application will guide you through a few steps, depending on your situation:

• Existing TD Customers: You can log in to your EasyWeb account to pre-fill your personal information, making the process faster.
• New Customers: Apply as a guest by entering your information manually.

You’ll need to provide the following details:

• Personal Information: Name, address, date of birth, and phone number.
• Employment and Income Details: Occupation, employer name, and annual income.
• Financial Information: Other bank accounts, debts, or loans (if applicable).

Finally, review the terms and conditions and the interest rate disclosure, then click Submit to send your application.

TD typically provides a decision within minutes, and if approved, your new card will be mailed to your home address shortly after.

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Step 5: Activate Your Card and Start Earning

Once you receive your card in the mail, you can activate it through:

• The TD Mobile App,
• TD EasyWeb online banking, or
• By phone (the number will be included with your card).

After activation, start using your card to earn cash back automatically on every purchase:

• 3% on groceries, gas, and recurring bills
• 1% on all other eligible purchases

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Overview of TD Bank (Toronto-Dominion)

TD Bank Group, also known as Toronto-Dominion Bank, is one of Canada’s Big Five banks, recognized for its size, reliability, and strong customer focus. TD operates across Canada and the United States, where it’s known as TD Bank, America’s Most Convenient Bank.

Why TD Bank Stands Out:

• Customer Focus: TD Canada Trust branches offer extended operating hours for added convenience.
• Digital Leadership: TD’s platforms — EasyWeb (online banking) and the TD Mobile App — allow customers to manage their finances securely anytime, anywhere.
• Diverse Product Range: TD offers everything from no-fee cards and cashback options (like the TD Cash Back Visa Infinite*) to premium travel rewards cards (TD Aeroplan, TD First Class Travel).

By choosing the TD Cash Back Visa Infinite Card*, you’re banking with one of Canada’s most trusted financial institutions — combining rewarding benefits, strong protection, and everyday convenience.

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In Summary

Applying for the TD Cash Back Visa Infinite Card* is simple and secure, taking just a few minutes online.

Once approved, you’ll enjoy:

• High cashback rewards on essential purchases,
• Comprehensive insurance coverage, and
• The reliability of one of Canada’s leading banks.

Whether you’re fueling up, grocery shopping, or paying monthly bills, this card ensures that every dollar spent gives you something back.

Overview of the TD Cash Back Visa Infinite* Card – Learn how to apply

This card gives you cash back for daily spends with Visa Infinite perks. You earn from groceries, gas, and bills. Plus, enjoy travel and purchase protections.

What the card offers at a glance

The TD Cash Back Visa Infinite card rewards you for everyday buys. You get more cash back for groceries and gas. Make sure to check TD’s rates before applying.

With Visa Infinite, you get travel insurance, trip coverage, rental car protection, and more. These extras make the card valuable for travel or big buys.

Who should consider this card in Canada

If you spend a lot on its bonus areas and like cash back, this card is for you. It’s great for those who want simple rewards. Plus, it’s ideal if you prefer lower travel fees but want Visa Infinite perks.

People who don’t use the bonus categories or carry a balance should think twice. Paying off your card monthly is best with this card.

How this card compares to other TD credit cards

When comparing, the TD Cash Back Visa Infinite card focuses on simple cash back. Travel cards offer points for flights and flexible rewards. The Cash Back card is more straightforward.

Lower-tier TD cards might be better for those on a budget. They come with fewer perks but lower fees. Consider your needs when picking a TD card.

Feature	TD Cash Back Visa Infinite	TD First Class Travel Visa Infinite	TD Cash Back Visa (lower tier)
Primary reward type	Cash back on groceries, gas, recurring bills	Travel points and flight rewards	Cash back with lower earning rates
Visa Infinite benefits	Yes: travel insurance, rental car coverage, purchase protection	Yes: more travel‑centric protections and travel partners	No: limited or no Visa Infinite perks
Annual fee	Moderate, reflects Visa Infinite benefits	Higher, aimed at frequent travellers	Low to none, minimal perks
Best for	Household spenders and those asking who should get TD Cash Back	Frequent travellers seeking point flexibility	Budget users wanting basic cash back
Reward complexity	Simple, easy to redeem	Flexible but requires travel planning	Very simple, lower returns

Key cash back rewards and earning rates

The TD Cash Back Visa Infinite* Card has a simple rewards system designed for everyday spending. You will find details on the best categories for earning cash back, including how it’s calculated and when it’s added to your account. It also covers any limits or special boosts you should be aware of.

Categories that earn the highest cash back

Groceries, bills, gas, and dining out are usually the top categories for earning cash back with TD. These are the areas where you’ll likely get the most benefits. Always check the latest details on TD’s website to make sure for your budget plans.

Some purchases might not get bonus cash back. For example, business buys, gambling, and certain retail stores may not count. Always keep your receipts and double-check if a purchase doesn’t classify as you expected.

How cash back is calculated and posted

You earn cash back based on a percentage of what you spend, after subtracting any returns or refunds. That’s why returning something can reduce your cash back.

Your rewards appear on your account statement as a balance. TD might update this monthly, letting you redeem it in different ways, like putting it directly towards your bill.

Limits, caps and promotional earn rates

There might be monthly or yearly limits on how much bonus cash back you can earn. After hitting these caps, you’d earn cash back at a standard rate. Check the details so you know when your earnings will switch rates.

TD sometimes has special promos that give you extra cash back for a short time or at specific stores. Whether you qualify can depend on the promo’s rules. Make sure to read all the details carefully to fully benefit from these promos.

Category	Typical Earn Rate	Common Exclusions
Groceries	Higher tier (check TD for current percent)	Wholesale clubs when processed as business, some specialty grocers
Recurring bills (subscriptions, utilities)	Elevated rate for automatic payments	Third-party payment processors, cable or telecom bundles that bill differently
Gas	Bonus rate on fuel purchases	Fuel stations classified as non-retail or fleet purchases
Dining	Promoted higher rate in some offers	Delivery platforms that bill restaurants differently, some bars
Promotional earn rates	Time-limited boosted percentages	Offers that exclude past purchases, certain merchants, or require enrolment

Eligibility criteria and credit score expectations

Learn the rules before you apply for the TD Cash Back Visa Infinite card. TD wants you to be a Canadian resident with a valid Social Insurance Number. A Canadian address is also a must. They list specific income requirements for these premium cards on their application pages.

If you’re new to Canada or not a permanent resident, you might still qualify. You’ll need different proof of income. For help, contact TD about newcomer packages and what documents they accept when regular pay stubs or tax forms are unavailable.

Minimum income and residency requirements for Canadian applicants

TD sets a higher income bar for Visa Infinite cards than basic ones. You must prove your income and have a Canadian address. This confirms your identity and allows for credit checks.

Newcomers have alternative ways to verify their application, like job offers or international tax papers. It’s smart to call TD first to see what documents they’ll accept for you.

Credit score range typically required

Visa Infinite cards need a good to excellent credit score. They’re usually looking for scores in the high 600s to 700s and up. Keep in mind, credit scores can differ depending on the agency.

Lenders look at your debt-to-income ratio, credit history length, and recent credit checks. It’s wise to review your credit report from Equifax or TransUnion Canada. You could also use a credit monitoring service before applying.

How joint applications or authorized users work

TD offers ways to share your card in Canada, either through joint holders or authorized users. Joint applicants are equally responsible for the bill.

Authorized users can spend, but it’s the main account holder who pays the bill. Adding them online or by phone is easy. TD will explain any fees and responsibilities during setup.

Area	Typical requirement	What to prepare
Residency	Canadian resident with SIN	Canadian address, SIN, government ID
Income	Higher minimum for Visa Infinite	Pay stubs, T4, employment letter, newcomer verification
Credit score	High‑600s to 700s+	Equifax or TransUnion report, reduce recent inquiries
Joint and authorized users	Joint applicants share legal liability	Consent from co‑applicant, add authorized users online or by phone

Fees, interest rates and important costs

Before getting a card, understand the costs and how they impact value. We’ll discuss ongoing and one-time fees, interest rates, and other charges you might find on your bill.

Annual fee details and waiver possibilities

TD charges an annual fee for the Cash Back Visa Infinite* Card. Always check TD’s website for the current fee. Sometimes, TD offers a waiver for the first year or with certain account packages.

Compare the fee to how much cash back you’ll earn. If you earn more than the fee, the card is worthwhile. Otherwise, consider a card without a fee or one that rewards your spending levels.

Purchase interest rates and cash advance charges

TD’s website lists purchase interest rates for the Visa Infinite Card. Always check the rate before applying. Paying your full balance every month avoids interest and helps you save.

Cash advances have a different APR and fee. This fee is based on the advance amount. Since interest starts right away, only use cash advances when you really need to.

Foreign transaction fees and other applicable charges

TD charges a fee for purchases in foreign currencies. Check TD for the current rate. If you travel a lot, look for a card without these fees or factor them into your budget.

Watch out for fees like those for returned payments or replacing a card. The Cardholder Agreement has all the details on these fees and how to handle disputes.

To see costs and benefits side by side, check the table below. It helps compare fees with rewards and savings.

Cost item	What to check	Why it matters
Annual fee	Current dollar amount; any promotions or annual fee waiver TD offers	Determines baseline cost of holding the card versus earned cash back
Purchase APR	Published Visa Infinite interest rates Canada for purchases	Interest adds to balances if you do not pay in full each month
Cash advance APR & fee	Rate and percentage/minimum fee for advances	Expensive and interest accrues immediately
Foreign transaction fee	Current TD foreign transaction fee percentage	Impacts cost of international spending and online foreign purchases
Other service fees	Returned payments, replacement cards, expedited delivery	Can cause unexpected charges if not anticipated

Sign-up bonuses, introductory offers and promotions

TD often offers short-term incentives for their cards. These deals include extra cash back for spending a certain amount. Always check TD’s website before applying to see the current welcome offer.

Current welcome offers and how to qualify

Welcome rewards often feature a TD Cash Back bonus. You need to spend a specific amount in a given time. These deals mostly target new cardholders. Your account must be in good standing to get the bonus.

To qualify, you must meet the minimum spending requirement in time. Check the TD introductory offer Canada terms for dates and eligible purchases.

Time-limited promotions and seasonal deals

TD and its partners sometimes offer seasonal incentives. These can increase cash back in certain categories during holidays.

Sign up for TD’s marketing emails and follow them on social media to spot these deals. You may also get offers through secure messages in online banking.

Maximizing value from introductory offers

Make big purchases in the promotion period to meet the spending requirement. Combine card promotions with store discounts for more savings. Remember to track deadlines and keep receipts until your TD Cash Back bonus is in your account.

Always pay your balances in full. This avoids interest charges that can negate the benefits. Be careful not to spend more just to get a bonus. Consider the real cost after fees and possible interest.

How to apply online for the TD Cash Back Visa Infinite* Card – Learn how to apply

The quickest way to start your TD Visa Infinite application is online. Go to TD’s credit card page. Look for the TD Cash Back Visa Infinite* Card and hit “Apply now.” The form will walk you through everything TD needs to know.

Step-by-step online application process

First, visit TD’s credit card page to find the Cash Back Visa Infinite card. Click on “Apply now” to open the secure application form.

Fill in your personal details like your full name, birth date, and current home address. Don’t forget to add your contact information, including your phone number and email.

Next, enter your job and income details. This includes your employer’s name, your position, your salary, and payment frequency. For housing costs, share your monthly payments, whether it’s rent or a mortgage.

Also, mention any debts or credit accounts you have. You can request a specific credit limit or let TD decide for you.

Before submitting, review your application. Agree to let TD perform a credit check. Finally, send in your application and await immediate feedback or a note for further evaluation.

Documents and information you’ll need to apply

Make sure you have a valid government ID, like a driver’s license or passport. TD will need your Social Insurance Number for the credit check.

Be prepared with proof of income. You can use your most recent paychecks, T4 slip, or a Notice of Assessment from the Canada Revenue Agency.

For self-employed applicants, bring your latest Notice of Assessment or business financial documents.

Verify your current address and provide your employer’s contact info. TD might ask for more documents to confirm what you’ve provided.

Common application mistakes to avoid

Always report your income accurately. Reporting it wrong could get your application denied or affect your account later.

Remember to list all of your monthly debts and credit cards. Skipping this gives an incomplete financial picture.

Make sure your personal details match across all forms and IDs. Mistakes here can slow down the process.

Finally, check your credit report before applying. Fix any mistakes and try not to apply for many credits at once. Too many inquiries in a short period can harm your chances.

Applying in-branch or by phone: alternatives to online

When you apply for the TD Cash Back Visa Infinite* Card in a branch or over the phone, you get to talk with a real person. This option is great for those who like to confirm everything directly. It also makes handling documents easy, without needing the internet.

What to expect when applying at a TD branch

At a TD branch, an advisor will walk you through the card’s benefits. They’ll help you fill out the form right there. They also check your ID, income proof, and address, making the process quick and sure.

Getting help face-to-face means all your questions get answered on the spot. Don’t forget to bring your ID, recent income proofs, and something to confirm your address like a utility bill.

Phone application process and verification steps

Starting your application over the phone begins with a simple call. You’ll cover basic info and agree to credit checks verbally. TD uses security questions to make sure it’s really you, and they might call back to confirm.

After your call, TD might need more documents from you. Sending these quickly helps everything go faster and smoother.

Timescales for approval in-branch versus online

Online, you might get an instant decision, or it could take a few minutes. But, some applications need more time for a thorough check. Applying in-branch can be just as fast if all your documents check out right away.

Whether you’re applying online, in-branch, or over the phone, the wait is usually short. It can be from instantly to a few days. But, if TD needs more info from you, be prepared to wait a bit longer, maybe even a week.

Application Method	Typical Decision Speed	Document Handling	Best for
Online	Instant to same day	Upload documents during or after application	Fast applicants comfortable with digital forms
In-branch	Same day to a few days	Immediate, face-to-face verification	Those who prefer personal service and direct ID checks
Phone (TD phone application)	Same day to several days	Documents may be requested after call for verification	Applicants who need guided help but cannot visit a branch

Tips for improving approval odds and strengthening your application

Making your application strong can increase the likelihood of TD approving your request. Taking small steps now can boost your credit. This could raise your chances of getting approved for the TD Cash Back Visa Infinite Card.

How to improve your credit profile before applying

Work on reducing your revolving balances to lower your credit use. Aim to keep your balances below 30% of your credit limits. Always make payments on time; missing a payment can have big negative effects.

Check your reports from Equifax and TransUnion for mistakes. Dispute any inaccuracies quickly. This is important for keeping your credit report clean.

Avoid too many hard inquiries by spacing out applications for new credit. If your credit history is short, think about getting a secured card or a credit-builder loan. This can help you show a pattern of reliable, on-time payments. It’s a smart way for Canadians to improve their credit scores before applying.

Presenting income and employment information clearly

When you apply, be exact about how much money you make and provide proof. Count your base salary, any regular bonuses, and freelance work if you do it. For those who are self-employed, include Notices of Assessment or business bank statements to prove steady income.

Be honest about your housing expenses and any large monthly debts. Providing clear documents can make the process smoother. This might also improve your odds of approval with TD by showing you’re good at managing money.

When to consider applying with a co-signer or joint applicant

Consider adding someone with a strong credit profile if your own credit or income might not be enough. Applying together for a TD credit card means sharing the responsibility. Both people will be legally responsible for the debt.

Couples or family members who don’t mind sharing financial obligations often go for a joint application. But first, check TD’s rules on joint accounts. Also, think about how co-signing or applying together will impact both your credits and future borrowing abilities.

• Pay down balances and keep on-time payments.
• Document all income clearly, including secondary earnings.
• Consider a joint applicant TD credit card only if both parties accept shared liability.

Managing your TD Cash Back Visa Infinite* Card after approval

After activating your TD Cash Back Visa Infinite card, managing it is simple. Start with registering for TD online banking. Then, download the TD mobile app. This lets you monitor transactions, check statements, and see your rewards anytime, anywhere.

How to register and use online and mobile tools

To start with TD online banking, use your card and personal details. Create a user ID and a strong password. Make sure to set up two‑factor authentication for extra safety. Once logged in, you can view your transactions, statements, and rewards balance. The TD mobile app lets you do the same on both iOS and Android. Keeping the app updated ensures access to the latest security features. This includes card lock, merchant controls, and setting spending limits.

Setting up automatic payments and alerts

To make payments easy, set up pre‑authorized payments from your TD chequing account. You can pay the full balance, the minimum, or a set amount each month. This helps you avoid missed payments and late fees. Choose what works with your budget. Then, pick a withdrawal date and confirm the account details.

To stay on top of your account, turn on alerts. You’ll get warnings for due dates, big purchases, nearing your credit limit, and possible fraud. Alerts help you react quickly. With autopay, always check your bank account to ensure you have enough funds. This helps avoid overdraft fees.

Redeeming cash back and tracking rewards

For redeeming cash back, check your rewards in EasyWeb or the TD app. You can use the cash back for statement credits or deposits into a TD bank account. Be aware of any minimum redemption requirements. Also, check how refunds impact rewards you’ve already used.

Keep an eye on your rewards through monthly statements and the app. This helps you see any changes in your balance. If you’re planning to use your cash back often, remember to check for any expiry dates. Make sure you know how to redeem rewards in online banking.

Common concerns and how TD addresses them

Cardholders often have worries about security, fighting wrongful charges, and needing more credit. TD has tools and steps to fix these problems fast. Keep reading to find out what actions you can take and what happens when you reach out to the bank.

Security features and fraud protection

TD looks out for unusual spending right away with its fraud protection. If unauthorized charges happen, you won’t be held responsible if you report them quickly. You can use alerts and freeze your card using the TD app to stop any extra charges.

Add an extra security step with two-step verification on your online account. Make sure to look over your statements and tell TD’s fraud team about any odd charges fast. Reporting quickly helps fix issues sooner and keeps any loss small.

Dispute resolution and chargeback process

If a charge from a store seems wrong, talk to the store first. If that doesn’t work, tell TD and give them receipts, order confirmations, and any emails. This begins the dispute chargeback process with TD.

TD may give you a temporary credit while they look into the issue, so your account shows the expected refund. They check the details from both sides before deciding. Save all related papers and keep in touch until everything is settled.

How to request credit limit increases or temporary relief

For a higher credit limit, use TD’s online banking, call their service, or visit in person. TD might ask about your income and usually checks your credit. Have your income proof ready for a quicker check.

If you’re facing tough times temporarily, ask TD about options like delaying payments or adjusting your limit for a while. Talk to someone at TD to learn about help programs and set up a plan that lets you avoid late payments and bad marks on your credit.

Stay in touch with TD. Talking to them early can protect your credit rating and make sorting out fraud, disputes, and changes easier.

Conclusion

The TD Cash Back Visa Infinite* Card offers clear rewards on daily buys, along with Visa Infinite perks. You can apply online, in a TD branch, or over the phone. This card makes earning and accessing benefits easy, especially for travel and shopping protection.

It’s important to see if you’re eligible before applying. This card is best for Canadians with strong credit and enough income for Visa Infinite. Wondering if you should apply for the TD Cash Back? First, look at your credit score and income to see if you might get approved.

When you’re ready, take practical steps. Visit TD’s website to see the latest rates and offers. Also, prepare your ID and proof of income. Then, choose how you want to apply. Keep in mind, you should think about how the annual fee compares with the rewards you’ll get from your usual spending.

For the latest terms or help, reach out to TD directly. Comparing the costs and benefits with your budget will show you if this card matches your financial needs.

FAQ

What is the TD Cash Back Visa Infinite* Card and who is this guide for?

The TD Cash Back Visa Infinite* Card offers cash back on daily spending. It has Visa Infinite benefits like travel insurance. This guide is for anyone in Canada who wants a cash back card with extra perks.

What are the key benefits and earning categories of the card?

You get more cash back for buying groceries, gas, dining out, and paying bills. The card also has Visa Infinite benefits like insurance for travel and rental cars. Always check TD’s official product page for up-to-date information.

How is cash back calculated, posted and redeemed?

Purchases earn cash back, added to your account’s rewards balance. The way you get and use your cash back can vary. TD’s policies say if it can be a statement credit or bank deposit. Always check your account or EasyWeb for details.

Are there limits, caps or promotional earn rates I should know about?

Some spending categories have limits or special rates. TD sometimes has promotions for more cash back in certain areas. It’s important to know when these start and end and the rules to get the most out of them.

What are the eligibility requirements for Canadian applicants?

You need to live in Canada and have a Canadian address. You must share your Social Insurance Number for checks. Visa Infinite cards ask for a certain income. Contact TD for special newcomer options if needed.

What credit score do I need to be approved?

Visa Infinite cards want a good credit score, usually in the high-600s or more. Lenders also look at your debts, how long you’ve had credit, and recent checks on your credit.

Can I add an authorized user or apply jointly?

Adding household members as users is possible. The main holder pays the bill. Some might be able to apply with another person. Both would be responsible for charges then. Check with TD when applying.

What are the annual fee and interest rates for the card?

Fees and interest for buying or cash advances can change. TD shares these rates online. Weigh the fee against what you’ll earn back. Also, review TD’s agreement for all the fees.

Does the card charge foreign transaction fees?

TD cards usually have a fee for buying in other currencies. The exact fee detail is on TD’s product page.

What welcome offers or sign‑up bonuses are available?

TD has bonuses like extra cash back for new users who spend a certain amount early on. These offers change, so check TD for the latest.

How can I maximize value from introductory offers?

Use the bonus period wisely to hit the spending target. Combine this with other deals and pay your balence in full. Track your spending and the bonus timelines carefully.

How do I apply online for the TD Cash Back Visa Infinite* Card?

Go to TD’s credit cards page, find this card, and click “Apply now.” Fill in your details and agree to a credit check online. You’ll quickly know if you’re approved.

What documents will I need to apply?

You’ll need ID, your Social Insurance Number, proof of income, address, and work details. Self-employed? Be ready with your tax or business papers. TD might ask for more.

What common application mistakes should I avoid?

Report your income correctly. Don’t forget any debts. Use matching personal details everywhere. Fix any credit report errors first. Space out big credit requests to avoid hurting your chances.

Can I apply in‑branch or by phone instead of online?

Yes, in-person at a branch is quick as they can check your documents. Over the phone needs identity checks; you might need to send documents later. Both ways have similar waiting times.

How long does approval usually take?

Online might be instant, but manual checks take longer. In-person could be quicker if you have all your paperwork.

How can I improve my approval chances before applying?

Lower your debt, pay on time, and fix any report mistakes. Space out credit applications. If building credit, consider secured options.

Should I consider a co‑signer or joint application?

A joint application can help if the other person has better finance. But, both will be legally tied to the account. Think about this carefully.

What should I do after approval to manage the card effectively?

Sign up for online banking and the TD app. Use strong passwords and extra security features. Set alerts and automatic payments to stay on track.

How do I redeem and track cash back rewards?

You can use your cash back on your statement or as a deposit. Keep an eye on your rewards with EasyWeb or the app. Note the redemption rules and any impact of returns.

What security and fraud protections are offered?

There’s monitoring for fraud and no cost for unauthorized buys. You can also control your card and get alerts. Use extra security steps and call TD quickly if something seems wrong.

How do I dispute a charge or request a chargeback?

Try to fix it with the seller first. If that doesn’t work, tell TD and show them your purchase proof. They might credit you temporarily during the check. Keep all your records until it’s resolved.

How can I request a credit limit increase or temporary relief if I’m struggling?

Ask TD online, on the phone, or at a branch for a higher limit. For tough times, talk about options like delaying payments. Early talks can help your credit stay okay.

Where can I find the most current card details, rates and promotional offers?

For the latest card info and offers, visit TD’s website or their Cardholder Agreement. To get answers tailored to you, call or go to a TD branch.