TD Cash Credit Card vs. Wells Fargo Active Cash Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
TD Cash Credit Card
TD Bank
Wells Fargo Active Cash Card
Wells Fargo
TD Cash Credit Card and Wells Fargo Active Cash Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
TD Cash Credit Card wins on earning ceiling; Wells Fargo Active Cash Card wins on first-year math.
Pick the Wells Fargo Active Cash Card if year-one math is your priority.
Who wins what
1 vs 1 (1 tie)- First-year math Wells Fargo Active Cash Card
Wells Fargo Active Cash Card wins on bonus value minus 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×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- $200
- First-year net
- +$0
- +$200
- Peak earning rate
- 3×
- —
- Top categories
- Selected Second Category, Selected Top Category
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- TD Rewards Points
- Cashback
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.