TD Cash Credit Card vs. Wells Fargo Autograph Journey 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 Autograph Journey Card
Wells Fargo
TD Cash Credit Card and Wells Fargo Autograph Journey 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 first-year math and annual fee; Wells Fargo Autograph Journey Card wins on earning ceiling and foreign transactions.
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.
Who wins what
2 vs 2- 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 $95 cheaper to keep.
- Earning ceiling Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card earns more on its best category (5× vs 3×).
- Foreign transactions Wells Fargo Autograph Journey Card
Wells Fargo Autograph Journey Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- $-95
- Peak earning rate
- 3×
- 5×
- Top categories
- Selected Second Category, Selected Top Category
- Airlines, Dining, Hotels
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- TD Rewards Points
- Wells Fargo Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.