TD Cash Back Visa Infinite Card allows holders to earn cash back for their every day purchases. Holders can earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases, and on regularly recurring bill payments, and 1% in Cash Back Dollars on all other Purchases made with the Card. Cardholders can also benefit from a welcome bonus of 6% cash back on groceries, gas purchases and recurring bill payments for the first 3 months of membership up to a maximum total spend of $3,500. For an annual fee of $120, you can also benefit from a number of perks including travel insurance coverage, purchase protection, extended warranty, emergency road services with the Deluxe TD Auto Club Membership, and Visa Infinite Privileges which give you access to benefits in luxury hotels, food and wine experiences and benefits at participating wineries in British Columbia and Ontario. You must have a minimum $60,000 personal or $100,000 household income to be eligible for this card, but if you fit the bill and the $120 annual fee doesn’t make you wince, this card offers a good rate of rewards and perks that could help you make great savings.

As per our rating system, this card scored 21/25 on rewards, 15/25 on interest rates and balance transfers, 16/25 on perks and insurance, and 22/25 on annual fees. Therefore, the total smart score of this card is 74/100.