Head to head 
TD Cash Credit Card vs. Wells Fargo Reflect Card
On the criteria below, TD Cash Credit Card wins 1 of 3. The verdict depends on which criteria matter to you.
TD Cash Credit Card
TD Bank
Wells Fargo Reflect Card
Wells Fargo
At a glance
TD Cash Credit Card wins 1 of 3 criteria here, making it the stronger all-rounder.
TD Cash Credit Card leads on earning ceiling, while Wells Fargo Reflect Card only ties the rest.
Who wins what
1 vs 0 (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×).
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
- Yes
- 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.