Head to head 
Citi Simplicity Card vs. TD Cash Credit Card
On the criteria below, TD Cash Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.
Citi Simplicity Card
Citi
TD Cash Credit Card
TD Bank
At a glance
TD Cash Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.
TD Cash Credit Card leads on earning ceiling and travel insurance, while Citi Simplicity Card only ties the rest.
Who wins what
0 vs 2 (2 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling TD Cash Credit Card
TD Cash Credit Card earns more on its best category (3× vs 0×).
- Travel insurance TD Cash Credit Card
TD Cash Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- —
- 3×
- Top categories
- —
- Selected Second Category, Selected Top Category
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- —
- 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.