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My biggest miles manufacturer - TD Go

During a time where Joann & I have more miles & points than we do vacation days, I’m looking for easier ways to manufacture these points instead of ways to just amass a stockpile of them. Notice my emphasis is on easy.

I’m not a fan of driving to Walmart to load my American Express Bluebird 2-3 times a month.

I don’t enjoy driving to multiple CVS stores to find $500 gift cards (and then driving to Walmart to load them to Bluebird).

Buying $200 gift cards from Staple with my Chase Ink is pretty easy, but then I’m stuck with several small denomination gift cards to liquidate.

Enter TD Go.

This is a prepaid product that is intended for parents to issue their “teens” debit cards with certain limits.

The main advantages are that this debit card can be funded by a credit card online and TD is very lax on what they consider a “teen.”

The main disadvantage is that this card is ONLY offered in the following states:


How to Set Up a TD Go Card

First thing’s first, sign up here as a parent. This will be the main person in charge of the account.

Complete the profile with your information. Remember, your mailing address must be in one of the eligible states. You will also be asked to supply your Social Security Number.

You’ll be asked to set up a funding account (Visa or MasterCard). In a few more steps, your profile is complete!

You can now set up your first “teen” with a debit card ($4.95 initial setup fee) and load up to $1,000 ($1 load fee).

The card will arrive in about a week with funds ready to be unloaded!

Fees & Limits

Initial purchase fee: $4.95 + $1 load fee.
Max load per day: $1,000
Max load per 7 days: $2,000
Max load per rolling 30 days: $3,000
Max per ATM withdraw: $60/week. (No fee at TD Bank.)
Max balance: $2,000
Max transactions: $2,000 / 7 days
Max load per funding credit card (across multiple teens): $6,000 per 30 days
Max funding sources: 4 credit cards

This can be a little confusing to keep track of, but with a little organization, you can set yourself up with an efficient system.

How to Unload Funds Off the TD Go Cards

Once you have your TD Go card loaded, you have to get the funds off the card. The same rules apply to offloading funds from any debit or gift card:

  • Load Bluebird at Walmart (up to $2,500 a day)
  • Purchase money orders, where available
  • Pay your bills with Evolve Money
  • Make a payment to your Citi credit card

The fourth option is my favorite option and the absolute easiest way to manufacture spend. Total time invested is less than 5 minutes. Here are the steps to complete the manufactured spend circle:

  1. Load $1,000 on TD Go card with a Citi credit card.
  2. Call the number on the back of the Citi credit card and make a $1,000 payment on that account.
  3. Earn miles for free*!

*There is always the very small load fee of $1

Wrap Up

With the current limits in place, the TD Go card is a great way to earn at least 3,000 miles every 30 days. Scale that to multiple teens (I have 4) and you can earn 12K points in one month.

Not too shabby for very little time invested and some tracking of load/transaction dates.

As always, an extra bonus for couples is that what you can earn, your significant other can earn too!

That makes for double the fun and double the points. Earning over 20K points per month is just fine for our needs.

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