TD · Rewards Calculator
TD Rewards Visa CardRewards Calculator
| Category | Earn Rate |
|---|---|
| Expedia For TD travel purchases | 4 TD Rewards Points per $1 |
| Groceries, Dining, and Public Transit | 3 TD Rewards Points per $1 |
| Recurring Bill Payments and Streaming, Digital Gaming & Media | 2 TD Rewards Points per $1 |
| All other purchases | 1 TD Rewards Point per $1 |
Enter Your Monthly Spending
We'll calculate your TD Rewards Points 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 TD Rewards Points earnings with the TD Rewards Visa Card.
Or try a quick-fill preset to get started
Ready to apply for the TD Rewards Visa Card?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your TD Rewards Points.
Welcome Bonus
Bonus
15,152 TD Rewards Points
~$50 estimated value
How to Earn It
15,152 TD Rewards Points
Spend $500 90 days
Card Details
- Annual Fee
- No annual fee
- Network
- Visa
- Rewards Program
- TD Rewards
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
Insurance & Perks
- Mobile device insurance (up to $1,000)
- Optional TD Credit Card Payment Protection Plan
- Optional travel medical insurance
- Optional trip cancellation and interruption insurance
How to Use the TD Rewards Visa Card Rewards Calculator
This calculator helps you estimate how many TD Rewards Points 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 Rewards Visa Card's earn rates to show you a complete breakdown.
Understanding TD Rewards Visa Card Earn Rates
The TD Rewards Visa Card earns TD Rewards Points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Expedia For TD travel purchases: 4 TD Rewards Points per $1
- Groceries, Dining, and Public Transit: 3 TD Rewards Points per $1
- Recurring Bill Payments and Streaming, Digital Gaming & Media: 2 TD Rewards Points per $1
- All other purchases: 1 TD Rewards Point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the TD Rewards Visa Card. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your TD Rewards Points
The true value of your TD Rewards Points depends on how you redeem them. As part of the TD Rewards 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 Rewards 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.