Our editorial team finds the TD Cash Back Visa Infinite Card for those who make a lot of bonus eligible purchases. With 10% cash back on the first $3,500 spent in the initial three months, cardholders can quickly rack up rewards. However, after the first year, the annual fee of $139 can be steep if the cash back doesn’t offset it.

The high-interest rates of 21.99% to 22.99% mean this card isn't might carry a balance. If you're a frequent traveler, the Visa Infinite benefits like travel insurance add value, but the card's cash back categories may not compete with others that offer higher rewards for specific spending categories. Approval generally requires a good credit score, which can limit access for some.

Notably, there is a $50 fee for the first additional cardholder, which can add up depending on your family’s needs. Overall, this card works well for those who can pay off balances in full each month and want to take advantage of the cash back offer.