TD Cash Credit Card Calculator

Card Details & TD Cash Back Calculator
3% Dining
2% Grocery
1% Everything Else

TD cash back calculator for the U.S. TD Cash Credit Card. Calculate total cash back and card value based on spend and fees. Compare to top cards.

Bonus Categories

The TD Cash Credit Card features two bonus categories which are travel and dining. There's no limit to the amount of cash back you can earn in either category and no limit to the amount of cash back you can earn with the TD Cash Credit Card overall.

  • 3% Dining
  • 2% Grocery
    • Superstores and warehouse clubs (e.g. Walmart, Costco, Sam's Club) do not count and will only earn 1% cash back.
  • 1% Everything Else

Sign Up Bonus (SUB)

The sign up bonus for the TD Cash Credit Card is $150 cash back after you spend $500 within the first 90 days of opening an account. This is pretty nice sign up bonus considering such a low goal.

The TD Cash Credit Card also offers 0% introductory APR on purchases and balance transfers for the first 15 billing cycles after account opening.


Annual Fee

The TD Cash Credit Card does not have an annual fee. This means you'll be able to earn a pretty solid amount of cash back on your purchases without having to worry about spending a certain amount on the card.

Authorized User Fee

The authorized user fee for the TD Cash Credit Card is $0. I recommend adding family and friends to your card in order to help build cash back faster.

Foreign Transaction Fee

The TD Cash Credit Card does not have a foreign transaction fee. That makes this a great option if you're looking to earn cash back spending internationally.

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

Limited Time $40 Bonus
Earn $40 or 4,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $40+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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.

Recommended Reads