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.
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
$
Card Details
Based on $2,000 spending
First Year Value
$976.23
$262.23 in years after
Annual Rewards
$401.23
TD Rewards
First Year Bonus
$575
TD Rewards
Annual Fee
$139
$0
First Year Waived
First Year Value
$976.23
$262.23 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$139
Annual Income
Personal: $60,000
Household: $100,000
Credit Score
Good
Welcome Bonus
Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.
Card Type
Category: Points
Loyalty Program: TD Rewards
Our Rating
3.9/5
Institution
TD
Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
TD First Class Travel® Visa Infinite* Card Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Expedia
1,440 points
Food and drinks, Groceries
44,550 points
Recurring Transactions
6,720 points
All other purchases
27,536 points
Annual Fee
- $139
Net Annual Rewards
80,246 points
Valued at $262.23 (after fees)
Rewards Summary
Net Annual Rewards
80,246 points
Valued at $262.23 (after fees)
First Year Card Bonus
115,000 points
Valued at $575
First Year Card Value
195,246 points
Valued at $976.23
Point Redemptions
Redemptions Chart
Travel from Expedia
$837.23
Travel
$641.99
Education
$641.99
Amazon
$505.31
Statement Credits
$349.12
Gift Cards
$349.12
Merchandise
$300.3
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Flight Delay
$500Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits
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Concierge Services
Golf Benefit
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
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Pros & Cons
Pros
- Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.