Savor Rewards for Good Credit vs TD Cash Credit Card
Both cards cost $0/yr. The Savor Rewards for Good Credit leads on dining; the TD Cash Credit Card on top spend category.
Card data as of October 12, 2026.
Savor Rewards for Good CreditCapital One · No annual fee
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Savor Rewards for Good Credit$0TD Cash Credit Card$0
- Welcome offerCurrent public offer
- Savor Rewards for Good Credit—TD Cash Credit Card$200 cash back
- Rewards
- Savor Rewards for Good CreditCash backTD Cash Credit CardCash back
- Foreign transaction fee
- Savor Rewards for Good CreditNoneLowestTD Cash Credit Card3%
- Network
- Savor Rewards for Good CreditMastercardTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Savor Rewards for Good Credit3%TD Cash Credit Card3%
- Entertainment
- Savor Rewards for Good Credit3%TD Cash Credit Card3%
- Gas Stations
- Savor Rewards for Good Credit1%TD Cash Credit Card3%Highest
- Grocery Stores
- Savor Rewards for Good Credit3%TD Cash Credit Card3%
- Streaming
- Savor Rewards for Good Credit3%HighestTD Cash Credit Card1%
- Top Spend Category
- Savor Rewards for Good Credit1%TD Cash Credit Card3%Highest
- Travel
- Savor Rewards for Good Credit1%TD Cash Credit Card3%Highest
- Everything else
- Savor Rewards for Good Credit1%TD Cash Credit Card1%
Perks & access— means none on record
- Hotel status & programs
- Savor Rewards for Good Credit—TD Cash Credit Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Savor Rewards for Good Credit
- Capital One Dining
- Capital One Entertainment
- Capital One Travel
- Complimentary Concierge Service
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
- Trip insurance
- Savor Rewards for Good Credit
- Travel Accident Insurance
TD Cash Credit Card— - Baggage
- Savor Rewards for Good Credit—TD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Savor Rewards for Good Credit—TD Cash Credit Card
- Car rental benefits
- Purchase & returns
- Savor Rewards for Good Credit
- Zero Liability on unauthorized transactions
TD Cash Credit Card- $500 per claim on theft or damage
- Extended warranty
- Savor Rewards for Good Credit
- Extended Warranty
TD Cash Credit Card- Extended warranty adds up to 1 year
- Cell phone
- Savor Rewards for Good Credit—TD Cash Credit Card
- Cell phone protection
- Other protections
- Savor Rewards for Good Credit
- Credit monitoring
- 24/7 lost/stolen card assistance worldwide
TD Cash Credit Card- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
Pros & cons
- Pros
- Savor Rewards for Good Credit—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
- Savor Rewards for Good Credit—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 Savor Rewards for Good Credit leads in 1.
Streaming
Savor Rewards for Good Credit earns 3X vs 1X
Top Spend Category
TD Cash Credit Card earns 3X vs 1X
Gas Stations
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 | Savor Rewards for Good Credit | TD Cash Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $192 Year one: $192 | 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: $768 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $768 Year one: $768 | 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 Savor Rewards for Good Credit 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 Savor Rewards for Good Credit have that the TD Cash Credit Card doesn't?
- The Savor Rewards for Good Credit focuses on earn rates, while the TD Cash Credit Card offers cell phone protection.
- Should I get the Savor Rewards for Good Credit 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 October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.