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
$142
$43.51 in years after
Annual Rewards
$43.51
TD Rewards
First Year Bonus
$98.48
TD Rewards
Annual Fee
$0
First Year Value
$142
$43.51 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 19.99%
Balance Transfer: 22.99%
Annual Fee
$0
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening. Conditions apply. Account must be approved by January 6, 2025.
Card Type
Category: Points
Loyalty Program: TD Rewards
Our Rating
2/5
Institution
TD
Rewards
- 4x points per $1 spent on travel booked online through Expedia for TD
- 3x points per $1 spent on eligible grocery and restaurant purchases
- 2x points per $1 spent on eligible recurring bill payments
- 1x points per $1 spent on all other eligible purchases
TD Rewards Visa* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Expedia
156 points
Food and drinks, Groceries
4,831 points
Recurring Transactions
728 points
All other purchases
2,986 points
Net Annual Rewards
8,702 points
Valued at $43.51
Rewards Summary
Net Annual Rewards
8,702 points
Valued at $43.51
First Year Card Bonus
19,697 points
Valued at $98.48
First Year Card Value
28,399 points
Valued at $142
Point Redemptions
Redemptions Chart
Travel from Expedia
$142
Travel
$113.6
Education
$113.6
Amazon
$93.72
Statement Credits
$71
Gift Cards
$71
Merchandise
$63.9
Insurance & Benefits
Insurance
Coverage
Purchase 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
- No annual fee, making it easy to maintain.
- Strong welcome bonus of 15,152 points, worth approximately $75.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee cards.
Cons
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Low return rate on everyday purchases, with 1 point per $1 spent, equating to just 0.5% return.
- Limited insurance coverage compared to premium cards.