TD Rewards Visa Card Calculator

Card Details & TD Points Calculator
2x (via Phone)
2x Grocery
2x Restaurant
2x Recurring Bill Payments
1x Everything Else
Avis & Budget Discounts
Priority Pass Discount
Purchase Protections

Calculate how many TD Points you can earn with the TD Rewards Visa Card based on your spend and compare the results against top rewards cards side by side.

Bonus Categories

The TD Rewards Visa Card features 4 categories which are, grocery, restaurant, and regularly recurring bill payments. Grocery, restaurant, and recurring bill payments each have their own individual spend caps of $5,000 per year. Once the spend cap is hit, you'll earn at the non-category rate for the remainder of the year for the category in which you've hit the cap for. There's no limit to the amount of TD Points you can earn with the card overall.

  • 3x
    • Purchases made with ExpediaForTD over the phone will earn a lower rate of 2x TD Points per $1 spent.
  • 2x Grocery
  • 2x Restaurant/Fast Food
  • 2x Recurring Bill Payments
    • Includes payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees.
    • These are commonly classified as 'Pre-Authorized Payments'.
  • 1x Non-Category

Perks & Benefits

The TD Rewards Visa Card offers discounts with Avis, Budget, and Priority Pass along with some purchase protection.

  • Avis & Budget Discounts
    • Save a minimum of 10% off the lowest base rates in Canada and the US.
    • Save a minimum of 5% off the lowest base rates internationally.
  • Priority Pass Membership Discount
  • Purchase Protections
    • Purchase Security
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The sign up bonus for the TD Rewards Visa Card is 10,000 TD Rewards Points after you keep your account open, active, and in good standing for the first 90 days.

Fees & Income Requirements

Annual Fee

The TD Rewards Visa Card does not have an annual fee.

Authorized User Fee

There is no fee to add additional users to the TD Rewards Visa Card.

Foreign Transaction Fee

The foreign conversion fee for the TD Rewards Visa Card is 2.5%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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