Head to head

Southwest Rapid Rewards Plus Credit Card vs. TD Cash Credit Card

On the criteria below, TD Cash Credit Card wins 3 of 4. The verdict depends on which criteria matter to you.

Southwest Rapid Rewards Plus Credit Card

Chase

TD Bank

At a glance

TD Cash Credit Card wins 3 of 4 criteria here, making it the stronger all-rounder.

Southwest Rapid Rewards Plus Credit Card wins on foreign transactions; TD Cash Credit Card wins on first-year math, annual fee, and earning ceiling.

Pick the TD Cash Credit Card if year-one math is your priority; take the TD Cash Credit Card if you want a cheaper card to keep long-term.

1 vs 3

First-year math TD Cash Credit Card

TD Cash Credit Card wins on bonus value minus annual fee.
Annual fee TD Cash Credit Card

TD Cash Credit Card is $99 cheaper to keep.
Earning ceiling TD Cash Credit Card

TD Cash Credit Card earns more on its best category (3× vs 2×).
Foreign transactions Southwest Rapid Rewards Plus Credit Card

Southwest Rapid Rewards Plus Credit Card has a lower (or zero) foreign transaction fee.

Annual fee: $99; Free
Welcome offer (typical value): —; —
First-year net: $-99; +$0
Peak earning rate: 2×; 3×
Top categories: Airfare, Gas, Groceries; Selected Second Category, Selected Top Category
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: No; No
Foreign transaction fee: None; 3.00%
Reward currency: Southwest Rapid Rewards; TD Rewards Points

Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.