Td Visa Infinite Card Points Calculator

The TD Visa Infinite card offers a unique rewards program where you earn points based on your spending and account balance. This calculator helps you estimate your potential points earnings and understand how the program works.

How TD Visa Infinite Points Work

The TD Visa Infinite rewards program operates on a tiered points system. You earn points based on your spending and account balance, with different tiers offering varying points multipliers.

Key Features

Points are earned on eligible purchases and account balance
Different spending tiers offer different points multipliers
Points can be redeemed for travel, statement credits, or other rewards
Annual fee applies but may be waived with certain spending

Points Calculation Formula

Points = (Spending Amount × Spending Tier Multiplier) + (Account Balance × Balance Tier Multiplier)

The exact points you earn depend on your spending and account balance, which determine your current tier. Higher tiers offer better points multipliers, so maintaining a higher balance can significantly increase your earnings.

Spending Tiers

Tier	Spending Requirement	Points Multiplier
Standard	$0 - $2,499	1x
Silver	$2,500 - $4,999	1.25x
Gold	$5,000 - $9,999	1.5x
Platinum	$10,000+	2x

Balance Tiers

Tier	Balance Requirement	Points Multiplier
Standard	$0 - $4,999	0.5x
Silver	$5,000 - $9,999	0.75x
Gold	$10,000 - $19,999	1x
Platinum	$20,000+	1.5x

How to Use the Calculator

Enter your estimated monthly spending in the "Monthly Spending" field
Enter your current account balance in the "Account Balance" field
Click "Calculate Points" to see your estimated points
Review the results and see how your tier affects your earnings
Use the chart to visualize your points growth over time

This calculator provides estimates based on the current rewards program. Actual points may vary based on your specific spending patterns and account activity.

Worked Examples

Example 1: Standard Tier

If you spend $1,000 per month and have a $2,000 balance:

Points = ($1,000 × 1x) + ($2,000 × 0.5x) = 1,000 + 1,000 = 2,000 points

Example 2: Gold Tier

If you spend $6,000 per month and have a $15,000 balance:

Points = ($6,000 × 1.5x) + ($15,000 × 1x) = 9,000 + 15,000 = 24,000 points

Example 3: Platinum Tier

If you spend $12,000 per month and have a $25,000 balance:

Points = ($12,000 × 2x) + ($25,000 × 1.5x) = 24,000 + 37,500 = 61,500 points

Frequently Asked Questions

How often are points calculated?

Points are calculated and credited to your account on a monthly basis, typically around the 5th of each month.

Can I redeem points for cash back?

Yes, you can redeem points for statement credits or other rewards through the TD Rewards program.

Are there any annual fees?

The annual fee is typically $95, but it may be waived if you meet certain spending requirements.

How do I check my current tier?

You can check your current tier by logging into your TD account online or through the mobile app.