Apple Card vs. TD Cash Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Apple Card
Goldman Sachs Bank USA
TD Cash Credit Card
TD Bank
Apple Card and TD Cash Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Apple Card wins on foreign transactions; TD Cash Credit Card wins on travel insurance.
Who wins what
1 vs 1 (3 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 Tie
Same peak earning rate.
- Travel insurance TD Cash Credit Card
TD Cash Credit Card carries built-in travel insurance.
- Foreign transactions Apple Card
Apple Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Apple And App Store, Apple Pay, Bonus Daily Cash Merchants
- Selected Second Category, Selected Top Category
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Apple Daily Cash
- 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.