Rewards Calculator Algorithm
You can estimate your rewards by inputting your monthly or yearly spending habits.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Card Details
Based on $2,000 spending
First Year Value
$445.8
$106.8 in years after
Annual Rewards
$195.8
TD Rewards
First Year Bonus
$250
TD Rewards
Annual Fee
$89
$0
First Year Waived
First Year Value
$445.8
$106.8 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$89
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card, 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening. Get an Annual Fee Rebate for the first year. Account must be approved by January 6, 2025.
Card Type
Category: Points
Loyalty Program: TD Rewards
Our Rating
3/5
Institution
TD
Rewards
- 6x points per $1 spent on travel booked online through Expedia for TD
- 4.5x points per $1 spent on eligible grocery and restaurant purchases
- 3x points per $1 spent on eligible recurring bill payments
- 1.5x points per $1 spent on all other eligible purchases
TD Platinum Travel Visa* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Expedia
702 points
Food and drinks, Groceries
21,740 points
Recurring Transactions
3,279 points
All other purchases
13,437 points
Annual Fee
- $89
Net Annual Rewards
39,160 points
Valued at $106.8 (after fees)
Rewards Summary
Net Annual Rewards
39,160 points
Valued at $106.8 (after fees)
First Year Card Bonus
50,000 points
Valued at $250
First Year Card Value
89,160 points
Valued at $445.8
Point Redemptions
Redemptions Chart
Travel from Expedia
$356.8
Travel
$267.64
Education
$267.64
Amazon
$205.23
Statement Credits
$133.9
Gift Cards
$133.9
Merchandise
$111.61
Insurance & Benefits
Insurance
Coverage
Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 yearMobile Device Insurance
$1,000
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
- Annual fee rebate for the first year, providing savings during the first year of card ownership.
- No minimum income requirement, making it accessible for a wide range of applicants.
- Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.
Cons
- TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
- Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
- No trip cancellation insurance included, which may be a drawback for frequent travelers.