Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: AvantCard Credit Card $75/yr, TD Cash Credit Card $0/yr. Strongest bonus categories: AvantCard Credit Card on everyday spending, TD Cash Credit Card on top spend category.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | AvantCard Credit Card | TD Cash Credit Card |
|---|---|---|
| Dining | 1X | 3X |
| Entertainment | 1X | 3X |
The TD Cash Credit Card wins in 6 of 6 categories. The AvantCard Credit Card leads in 0.
Top Spend Category
TD Cash Credit Card earns 3X vs 1X
Dining
TD Cash Credit Card earns 3X vs 1X
Entertainment
TD Cash Credit Card earns 3X vs 1X
Gas Stations
TD Cash Credit Card earns 3X vs 1X
Grocery Stores
TD Cash Credit Card earns 3X vs 1X
Travel
TD Cash Credit Card earns 3X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | AvantCard Credit Card |
|---|
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: AvantCard Credit Card $75/yr, TD Cash Credit Card $0/yr — a $75 difference before welcome offers and credits.
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Top Spend Category | 1X | 3X |
| Travel | 1X | 3X |
Network
Key Benefits
Pros
Cons
| TD Cash Credit Card |
|---|
| Ongoing winner |
|---|
| Year-one winner |
|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($75) Ongoing: $45 Year one: $45 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | TD Cash Credit Card | TD Cash Credit Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($75) Ongoing: $405 Year one: $405 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | TD Cash Credit Card | TD Cash Credit Card |
The AvantCard Credit Card costs $75/yr — that's $75 more than the TD Cash Credit Card (no annual fee). To justify that gap, you need to extract at least $75 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $75 fee gap means the AvantCard Credit Card needs roughly $75 more in annual rewards (or credits you will use) to break even on everyday spending and everyday spend.
Get the TD Cash Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
