How do you get the most from that TD Rewards Visa* Card? You’re in the right place! Today, we walk you through everything from how to earn points to making your shopping, travel, and everyday spending even more rewarding. There is no complicated math or finance jargon here – just simple, straightforward advice to help you maximize your rewards.
What is the TD Rewards Visa* Card?
First, let’s talk about the TD Rewards Visa* Card. It suits best with people who love earning rewards on everyday purchases.
Groceries, gas, or trip—whichever you buy, these expenditures, in the form of points, will allow you to add up the points and redeem them for travel, gift cards, and merchandise, or sometimes they are used for paying down your credit card balance.
How Do You Earn Points?
Earning points with the TD Rewards Visa* Card is easy. Here’s a simple breakdown:
Everyday Purchases: for all eligible dollar grocery and restaurant purchases, that’s the point earned from reoccurring bill payments on your card.
Travel: When travel reservations are made from the TD Travel Portal, one can earn more points for every dollar used on the trip. This is best, mainly for those who are travel enthusiasts.
Everything Else: You’ll still earn points for all other eligible purchases at a different rate.
Please verify on their website or contact customer service for the exact rates. Sometimes, the number of points you earn in every category may differ. Therefore, visit TD’s website or contact customer service for accurate rates.
How to Use the Points Calculator
Calculating your points can help you plan how to use your card more effectively. Here’s a simple way to do it:
Track Your Spending: Note how much you spend in each category: travel, groceries, bills, and other purchases.
Apply the rates: Apply the current earning rate of each category point to your spending. For example, if grocery spending is $500 and the point for that category is 3 per dollar, you earn 1,500 points.
Add Them Up: Add the points from each category to see your total points.
Note that all values are approximated. In exceptional cases, the number of actual earned points can be affected by various promotions or modifications of the points rates.
Making the Most of Your Points Now that you know how to calculate your points, how can you make the most of them?
Here are a few tips:
Plan Your Purchases: If you know you’ll earn more points on groceries and travel, plan your spending accordingly. Keep your eyes open for the promotions: TD often runs special one-off offers where cardholders can earn bonus points on different spending categories or for hitting a spending threshold. Redemption of points for travel, products, or even using points to pay down your balance—consider every offer to derive maximum value in return for your points.
Conclusion
The TD Rewards Visa* Card can be a fantastic tool to help you earn the maximum rewards from your everyday spending. Remember how to calculate the point value and use the card judiciously; you can make the best point and earn many rewards. Keep an eye on your spending, stay alerted to new promotions, and make your redemption choices wisely to get the most out of your TD Rewards Visa* Card.
