TD · Rewards Calculator
TD Cash Back Visa CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases | 1% Cash Back Dollars per $1 |
| All other purchases | 0.5% Cash Back Dollars per $1 |
Enter Your Monthly Spending
We'll calculate your cash back earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your cash back earnings with the TD Cash Back Visa Card.
Or try a quick-fill preset to get started
Ready to apply for the TD Cash Back Visa Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your Cash Back Dollars.
Card Details
- Annual Fee
- No annual fee
- Network
- Visa
- Rewards Program
- TD Cash Back
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Purchase Security and Extended Warranty Protection
- Visa Zero Liability
- Chip & PIN technology
- Visa Secure online protection
- TD Fraud Alerts
How to Use the TD Cash Back Visa Card Rewards Calculator
This calculator helps you estimate how many Cash Back Dollars you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the TD Cash Back Visa Card's earn rates to show you a complete breakdown.
Understanding TD Cash Back Visa Card Earn Rates
The TD Cash Back Visa Card earns Cash Back Dollars at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases: 1% Cash Back Dollars per $1
- All other purchases: 0.5% Cash Back Dollars per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the TD Cash Back Visa Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your Cash Back Dollars
The true value of your Cash Back Dollars depends on how you redeem them. As part of the TD Cash Back program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the TD Cash Back Visa Card is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.