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Chase Sapphire Reserve® vs TD Cash Credit Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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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 | Luxury | — |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $550 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 21.99% – 28.99% | 18.49% – 28.49% |
Intro APR | — | 0% for 15 months |
| Rewards | ||
Welcome Bonus | Earn 125,000 points | Earn $200 |
Bonus Value | $2,500 | $200 |
Reward Rate Data: 2/2 cards | 10x pts on hotels and car rentals (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 | 1x pts | — |
| All other purchases | — | 1% backEarn unlimited 1% Cash Back on all other eligible purchases. |
| 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. |
| Dining | 3x pts3x points on dining at restaurants worldwide, including eligible delivery services, takeout, and dining out | — |
| Flights (Chase Travel) | 5x ptsPurchases through Chase Travel℠ | — |
| Flights via Chase Travel (after $300 travel credit) | 5x pts5x total points on flights purchased through Chase Travel after the first $300 is spent on travel purchases annually | — |
| Hotels and Car Rentals (Chase Travel) | 10x ptsPurchases through Chase Travel℠ | — |
| Hotels and Car Rentals via Chase Travel (after $300 travel credit) | 10x pts10x total points on hotels and car rentals purchased through Chase Travel after the first $300 is spent on travel purchases annually | — |
| Travel | 3x pts3x points on other travel worldwide (not through Chase Travel) | — |
| Benefits | ||
Key Benefits |
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