Bank of America Unlimited Cash Rewards credit card vs. TD Cash Credit Card
On the criteria below, TD Cash Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Unlimited Cash Rewards credit card
Bank of America
TD Cash Credit Card
TD Bank
TD Cash Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; TD Cash Credit Card wins on earning ceiling and travel insurance.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling TD Cash Credit Card
TD Cash Credit Card earns more on its best category (3× vs 0×).
- 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)
- $250
- —
- First-year net
- +$250
- +$0
- Peak earning rate
- —
- 3×
- Top categories
- —
- 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.