TD Cash Back Visa Card Calculator

Card Details & Cash Back Calculator
1% Grocery
1% Gas Station
1% Recurring Bill Payments
0.5% Everything Else
Avis & Budget Discounts
Purchase Protections

Calculate how much cash back you can earn with the TD Cash Back Visa Card based on your spend and compare it against top rewards cards side by side.

Bonus Categories

The TD Cash Back Visa Card has three cash back categories which are grocery, gas, and recurring bill payments. All three categories have a yearly spend cap of $5,000. Once you hit the spend cap, you'll earn at the non-category rate for the remainder of the calendar year for that category. There's no limit to the amount of cash back you can earn with the card overall.

  • 1% Grocery
  • 1% Gas Station
  • 1% Recurring Bill Payments
    • These are 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.
    • Commonly referred to as "Pre-Authorized Payments".
  • 0.5% Everything Else

Perks & Benefits

The TD Cash Back Visa Card offers rental car savings and purchase protections.

  • 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.
  • Travel & Purchase Protections

Sign Up Bonus (SUB)

The sign up bonus for the TD Cash Back Visa Card is $25 after keeping your account open, active, and in good standing for the first 90 days.

Fees & Income Requirements

Annual Fee

The TD Cash Back Visa Card does not have an annual fee.

Authorized User Fee

There is no fee to add authorized users to the TD Cash Back Visa Card.

Foreign Transaction Fee

The foreign conversion fee for the TD Cash Back 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.

Rakuten Rewards

Earn additional cash back when booking travel and shopping online using Rakuten. It's an easy way to double and triple dip on rewards. Sign up for free through The Point Calculator to earn bonus cash back and to help out the site!
Sign Up For Free
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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