Blue Cash Preferred Card from American Express vs. TD Cash Credit Card
On the criteria below, Blue Cash Preferred Card from American Express wins 3 of 4. The verdict depends on which criteria matter to you.
Blue Cash Preferred Card from American Express
Amex
TD Cash Credit Card
TD Bank
Blue Cash Preferred Card from American Express wins 3 of 4 criteria here, making it the stronger all-rounder.
Blue Cash Preferred Card from American Express wins on first-year math, earning ceiling, and foreign transactions; TD Cash Credit Card wins on annual fee.
Pick the Blue Cash Preferred Card from American Express 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
3 vs 1- First-year math Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express wins on bonus value minus annual fee.
- Annual fee TD Cash Credit Card
TD Cash Credit Card is $95 cheaper to keep.
- Earning ceiling Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express earns more on its best category (6× vs 3×).
- Foreign transactions Blue Cash Preferred Card from American Express
Blue Cash Preferred Card from American Express has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $95
- Free
- Welcome offer (typical value)
- $300
- —
- First-year net
- +$205
- +$0
- Peak earning rate
- 6×
- 3×
- Top categories
- Gas, Streaming, Transit
- Selected Second Category, Selected Top Category
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 2.70%
- 3.00%
- Reward currency
- Cashback
- 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.