Bank of America Customized Cash Rewards credit card vs. TD Cash Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Bank of America Customized Cash Rewards credit card
Bank of America
TD Cash Credit Card
TD Bank
Bank of America Customized Cash Rewards credit card and TD Cash Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Bank of America Customized Cash Rewards credit card wins on first-year math; TD Cash Credit Card wins on travel insurance.
Pick the Bank of America Customized Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 1 (2 tie)- First-year math Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- Travel insurance TD Cash Credit Card
TD Cash Credit Card carries built-in travel insurance.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $200
- —
- First-year net
- +$200
- +$0
- Peak earning rate
- 3×
- 3×
- Top categories
- Choice Category, Grocery
- Selected Second Category, Selected Top Category
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 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.