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Chase Sapphire Reserve® vs TD Cash Secured 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 | secured |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | Excellent(750+) | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $550 | $29 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 21.99% – 28.99% | 26.49% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 125,000 points | — |
Bonus Value | $2,500 | — |
Reward Rate Data: 2/2 cards | 10x pts on hotels and car rentals (chase travel) | 3% back on choice 3% spend category |
Reward Program Data: 2/2 cards | Chase Ultimate Rewards | TD Cash Secured Credit Card Cash Back |
| Earning Rates | ||
| All Other Purchases | 1x pts | — |
| Choice 2% Spend Category | — | 2% backEvery quarter, choose your 2% Spend Category. At account opening, this defaults to Grocery Stores; within 30 days of account opening there is a one-time opportunity to change the initially assigned category for the first calendar quarter following account opening. |
| Choice 3% Spend Category | — | 3% backEvery quarter, choose your 3% Spend Category. At account opening, this defaults to Dining; within 30 days of account opening there is a one-time opportunity to change the initially assigned category for the first calendar quarter following account opening. |
| 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 | — |
| Other purchases | — | 1% backEarn 1% Cash Back on other purchases. Eligible purchases do not include purchases of cash equivalents, money orders, gift cards, or reloading gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1% Cash Back. |
| Travel | 3x pts3x points on other travel worldwide (not through Chase Travel) | — |
| Benefits | ||
Key Benefits |
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