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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.
Based on $2,000 spending
First Year Value
$778.45
$269.45 in years after
Annual Rewards
$358.45
Air Canada Aeroplan®
First Year Bonus
$420
Air Canada Aeroplan®
Annual Fee
$89
$0
First Year Waived
First Year Value
$778.45
$269.45 in years after
Card Type | Credit |
Reward Type | Points |
Our Rating | 3/5 |
Institution | TD |
Loyalty Program |
Annual Fee | $89 (first year waived) |
Interest Rates | Purchase: 20.99% Cash Advance: 22.99% Balance Transfer: 22.99% |
Credit Score Estimate | Good |
Annual Income | Personal: N/A Household: N/A |
Welcome Bonus | Up to 20,000 Aeroplan points |
Description | Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening. Get an annual fee rebate for the first year. |
Based on $2,000 spending
Groceries, Gas and Air Canada
5,452 points
All other purchases
11,616 points
Annual Fee
- $89
Net Annual Rewards
17,068 points
Valued at $269.45 (after fees)
Net Annual Rewards
17,068 points
Valued at $269.45 (after fees)
First Year Card Bonus
20,000 points
Valued at $420
First Year Card Value
17,068 points
Valued at $778.45
Redemptions Chart
Transfer to Airline Partners
$689.45
Travel
$216.82
Gift Cards
$185.31