Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$422.85
$2.85 in years after
Annual Rewards
$601.85
Air Canada Aeroplan®
First Year Bonus
$420
Air Canada Aeroplan®
Annual Fee
$599
First Year Value
$422.85
$2.85 in years after
Card Details
Info
Card Type | Points |
Our Rating | 2.9/5 |
Institution | TD |
Loyalty Program |
Fees & Rates
Annual Fee | $599 |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99% |
Eligibility
Credit Score Estimate | Excellent |
Annual Income | Personal: $150,000 Household: $200,000 |
Bonuses
Welcome Bonus | Up to 85,000 points (55,000 in 1st year) |
Description | 20,000 points after the eligible first purchase. 35,000 additional bonus points after spending $12,000 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card. |
Rewards
- 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
- 1.25 Point on everything else
TD® Aeroplan® Visa Infinite Privilege* Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Air Canada
480 points
All other categories with bonus points
16,098 points
All other purchases
12,081 points
Annual Fee
- $599
Net Annual Rewards
28,659 points
Valued at $2.85 (after fees)
Rewards Summary
Net Annual Rewards
28,659 points
Valued at $2.85 (after fees)
First Year Card Bonus
20,000 points
Valued at $420
First Year Card Value
28,659 points
Valued at $422.85
Point Redemptions
Note: A negative redemption value indicates that redeeming your rewards using that method might lead to a situation where the value you get is less than what you pay for as the annual fee of the card based on your spending habits, however this does not take into account the value you get from extra benefits.
Redemptions Chart
Transfer to Airline Partners
$422.85
Travel
-$197.56
Gift Cards
-$238.92