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Chase Sapphire Preferred® Credit Card vs TD Cash Credit Card
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Chase | TD Bank |
Card Network | ||
Card Type Data: 2/2 cards | travel | cashback |
Card Tier Data: 1/2 cards | Mid Tier | — |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $95 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 19.24% – 27.49% | 18.49% – 28.49% |
Intro APR | — | 0% for 15 months |
| Rewards | ||
Welcome Bonus | Earn 75,000 points | Earn $200 |
Bonus Value | $750 | $200 |
Reward Rate Data: 2/2 cards | 5x pts on chase travel | 3% back on chosen top spend category |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards® | TD Cash Credit Card Rewards |
| Earning Rates | ||
| All other purchases | — | 1% backEarn unlimited 1% Cash Back on all other eligible purchases. |
| Chase Travel | 5x ptsExcludes travel purchases made through FROSCH by Chase Travel, Valerie Wilson Travel by Chase Travel, or Frosch International Travel LLC | — |
| Chosen second Spend Category | — | 2% backEarn unlimited 2% Cash Back on the second Spend Category you choose each quarter. At account opening, the default 2% category is Grocery Stores. Available Spend Categories are Dining, Entertainment, Gas, Grocery Stores and Travel. Superstores and warehouse clubs only qualify for 1 point regardless of merchant category code. |
| Chosen top Spend Category | — | 3% backEarn unlimited 3% Cash Back on the Spend Category you choose each quarter. At account opening, the default 3% category is Dining. Available Spend Categories are Dining, Entertainment, Gas, Grocery Stores and Travel. Superstores and warehouse clubs only qualify for 1 point regardless of merchant category code. |
| Lyft rides | 5x ptsThrough September 30, 2027 | — |
| Peloton purchases | 5x ptsOn eligible Peloton equipment and accessory purchases over $150 through December 31, 2027 | — |
| all_other_purchases | 1x pts | — |
| dining | 3x ptsIncludes takeout and eligible delivery services | — |
| gas | 3x ptsIncludes gas stations, EV charging, and vacation homes at top brands | — |
| groceries | 3x ptsOnline grocery only; excludes Target, Walmart, and wholesale clubs | — |
| streaming | 3x ptsSelect top streaming services | — |
| travel | 2x ptsAll other travel purchases not made through Chase Travel | — |
| Benefits | ||
Key Benefits |
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