We score this card on five factors — earn rate, real point value, portfolio pooling, merchant bonuses, and your stated goal — recalculated for your specific wallet, not a static rating.
Top effective rate on this card: 3¢ per dollar. Full methodology →
Point value context: We value TD Rewards Points at 0.5¢ per point (conservative estimate). The effective cash value column below reflects this — it's what each reward rate is actually worth per dollar spent, not just the nominal multiplier. How we calculate this →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Dining | 6x TD Rewards Points | 3¢/$ |
| Groceries | 6x TD Rewards Points | 3¢/$ |
| Streaming | 4x TD Rewards Points | 2¢/$ |
| Bills & Utilities | 4x TD Rewards Points | 2¢/$ |
| Everything Else | 2x TD Rewards Points | 1¢/$ |
| Expedia For TD (store-specific bonus) | 8x TD Rewards Points | 4¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Terms, APR, and the current welcome offer are set by the issuer, not us, and can change without notice. Confirm the live offer on their site before you apply.
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