bp rewards Visa® vs TD Cash Credit Card
Both cards cost $0/yr. The bp rewards Visa® leads on gas stations; the TD Cash Credit Card on top spend category.
Card data as of November 13, 2026.
- bp rewards Visa®
FNBO · No annual fee
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- bp rewards Visa®$0TD Cash Credit Card$0
- Welcome offerCurrent public offer
- bp rewards Visa®—TD Cash Credit Card$200 cash back
- Rewards
- bp rewards Visa®Cash backTD Cash Credit CardCash back
- Foreign transaction fee
- bp rewards Visa®3%TD Cash Credit Card3%
- Network
- bp rewards Visa®VisaTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent
- Gas Stations
- bp rewards Visa®4%HighestTD Cash Credit Card3%
- Dining
- bp rewards Visa®3%TD Cash Credit Card3%
- Entertainment
- bp rewards Visa®1%TD Cash Credit Card3%Highest
- Grocery Stores
- bp rewards Visa®3%TD Cash Credit Card3%
- Top Spend Category
- bp rewards Visa®1%TD Cash Credit Card3%Highest
- Travel
- bp rewards Visa®1%TD Cash Credit Card3%Highest
- Everything else
- bp rewards Visa®1%TD Cash Credit Card1%
Perks & access— means none on record
- Hotel status & programs
- bp rewards Visa®—TD Cash Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- bp rewards Visa®
- 15¢ off per gallon at bp and Amoco
- 30¢ off/gallon for first 60 days
- Stack savings with earnify™ app
- $0 annual fee
- Free access to your FICO score
TD Cash Credit Card- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Protections & insuranceLimits where published · — means none on record
- Baggage
- bp rewards Visa®—TD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- bp rewards Visa®—TD Cash Credit Card
- Car rental benefits
- Purchase & returns
- bp rewards Visa®
- Zero Liability on unauthorized charges
TD Cash Credit Card- $500 per claim on theft or damage
- Extended warranty
- bp rewards Visa®—TD Cash Credit Card
- Extended warranty adds up to 1 year
- Cell phone
- bp rewards Visa®—TD Cash Credit Card
- Cell phone protection
- Other protections
- bp rewards Visa®
- 24/7 lost/stolen card assistance worldwide
TD Cash Credit Card- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
Pros & cons
- Pros
- bp rewards Visa®—TD Cash Credit Card
- Customizable categories with 3% on one and 2% on another
- No annual fee
- $200 welcome bonus with $1,000 spend requirement
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- Cons
- bp rewards Visa®—TD Cash Credit Card
- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- Must remember to optimize category selections
- Only 1% on purchases outside chosen categories
- Regional bank limits branch availability
Category-by-Category Winner
The TD Cash Credit Card wins in 3 of 4 categories. The bp rewards Visa® leads in 1.
Gas Stations
bp rewards Visa® earns 4X vs 3X
Top Spend Category
TD Cash Credit Card earns 3X vs 1X
Entertainment
TD Cash Credit Card earns 3X vs 1X
Travel
TD Cash Credit Card earns 3X vs 1X
Year One vs Ongoing Value
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 | bp rewards Visa® | TD Cash Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $228 Year one: $228 | 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: $912 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $912 Year one: $912 | 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 Bottom Line
Both scenarios favor the TD Cash Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the bp rewards Visa® or TD Cash Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the bp rewards Visa® have that the TD Cash Credit Card doesn't?
- The bp rewards Visa® focuses on earn rates, while the TD Cash Credit Card offers cell phone protection.
- Should I get the bp rewards Visa® or the TD Cash Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.