Optimize Credit Cards
Brokerages & Banks
Travel
Shop
Earn Cash Back
Blog
Support
Refer & Earn 25%
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.
$2,000
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
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Annual Fee
$139
$0
First Year Waived
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Very Good
Welcome Bonus
3% incremental cashback on gas, groceries, and pre-authorized payments up to $145 in the first 3 months. 4% extra cashback on other purchases up to $110 in the first 3 months.
Card Type
Cash Back
Our Rating
3.3/5
Institution
TD
Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 days
Lost or Stolen Baggage
$1000
Baggage Delay
$1000.svg)
Car Rental Damage & Theft
Included
Mobile Device Insurance
$1000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks stores.svg)
Concierge Services
Visa Infinite Exclusive Benefits
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car- Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Pros & Cons
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.