United Explorer Card vs. TD Cash Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
United Explorer Card
Chase
TD Cash Credit Card
TD Bank
United Explorer 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.
United Explorer Card wins on first-year math and foreign transactions; TD Cash Credit Card wins on annual fee and earning ceiling.
Pick the United Explorer Card 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
2 vs 2- First-year math United Explorer Card
United Explorer Card wins on bonus value minus annual fee.
- Annual fee TD Cash Credit Card
TD Cash Credit Card is $150 cheaper to keep.
- Earning ceiling TD Cash Credit Card
TD Cash Credit Card earns more on its best category (3× vs 2×).
- Foreign transactions United Explorer Card
United Explorer Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $150
- Free
- Welcome offer (typical value)
- $910
- —
- First-year net
- +$760
- +$0
- Peak earning rate
- 2×
- 3×
- Top categories
- Airfare, Dining, Hotels Resorts
- Selected Second Category, Selected Top Category
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- United MileagePlus
- 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.