TD Bank Cash vs First Class
Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Cash 1.0% 1% base rate
- First Class 1.0% 1x base rate
Dining
- First Class 3.0% 3x
- Cash 1.0% 1% base rate
Travel
- First Class 3.0% 3x
- Cash 1.0% 1% base rate
What the numbers are doing
Cash lets you choose one category to earn 3% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.
The table is earn rate only — annual fees are not netted out of it. These cards charge Cash $0 and First Class $89 a year, so a thin lead in one category may not cover the difference.
Where they differ: First Class takes dining and travel. Cash wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Cash1.0% |
| Dining | First Class3.0% |
| Travel | First Class3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Cash — 1.0%
- First Class — 1.0%
Dining
- First Class — 3.0%
- Cash — 1.0%
Travel
- First Class — 3.0%
- Cash — 1.0%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.