TD Cash Credit Card vs Wells Fargo Active Cash Card
Both cards cost $0/yr. The TD Cash Credit Card leads on top spend category; the Wells Fargo Active Cash Card on everyday spending.
Card data as of November 13, 2026.
- TD Cash Credit Card
TD Bank · No annual fee
Wells Fargo Active Cash CardWells Fargo · No annual fee
Overview
- Annual fee
- TD Cash Credit Card$0Wells Fargo Active Cash Card$0
- Welcome offerCurrent public offer
- TD Cash Credit Card$200 cash backWells Fargo Active Cash Card$100 cash back
- Rewards
- TD Cash Credit CardCash backWells Fargo Active Cash CardCash back
- Foreign transaction fee
- TD Cash Credit Card3%Wells Fargo Active Cash Card3%
- Network
- TD Cash Credit CardVisa SignatureWells Fargo Active Cash CardVisa Signature
Earn ratesPer $1 spent
- Dining
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Entertainment
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Gas Stations
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Grocery Stores
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Top Spend Category
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Travel
- TD Cash Credit Card3%HighestWells Fargo Active Cash Card2%
- Everything else
- TD Cash Credit Card1%Wells Fargo Active Cash Card2%Highest
Perks & access— means none on record
- Hotel status & programs
- TD Cash Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
Wells Fargo Active Cash Card- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- TD Cash Credit Card
- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Wells Fargo Active Cash Card- 24/7 Visa Signature Concierge service
- Extra cash back at select merchants with personalized deals
Protections & insuranceLimits where published · — means none on record
- Baggage
- TD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
Wells Fargo Active Cash Card— - Rental car
- TD Cash Credit Card
- Car rental benefits
Wells Fargo Active Cash Card- Up to $50,000 rental car coverage when you decline the count
- Purchase & returns
- TD Cash Credit Card
- $500 per claim on theft or damage
Wells Fargo Active Cash Card— - Extended warranty
- TD Cash Credit Card
- Extended warranty adds up to 1 year
Wells Fargo Active Cash Card— - Cell phone
- TD Cash Credit Card
- Cell phone protection
Wells Fargo Active Cash Card- Up to $600 coverage for damaged or stolen phones
- Other protections
- TD Cash Credit Card
- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
Wells Fargo Active Cash Card- 24/7 worldwide travel and emergency assistance
- Get emergency cash and card replacement worldwide
- Check your FICO score anytime for free
- 24/7 roadside help with free towing up to 5 miles
Pros & cons
- Pros
- 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
Wells Fargo Active Cash Card- Unlimited 2% cash back on every purchase with no category limits
- No annual fee
- $100 welcome bonus after just $500 spend in 3 months
- 0% intro APR for 12 months on purchases and balance transfers
- Cell phone protection up to $600 per claim when paying bill with card
- Cons
- 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
Wells Fargo Active Cash Card- 3% foreign transaction fee makes it poor for international use
- No bonus categories - heavy dining/travel spenders earn less than category cards
- Points have no transfer partners (cash back only)
- Requires good to excellent credit
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The TD Cash Credit Card wins in 6 of 7 categories. The Wells Fargo Active Cash Card leads in 1.
Top Spend Category
TD Cash Credit Card earns 3X vs 2X
Dining
TD Cash Credit Card earns 3X vs 2X
Entertainment
TD Cash Credit Card earns 3X vs 2X
Gas Stations
TD Cash Credit Card earns 3X vs 2X
Grocery Stores
TD Cash Credit Card earns 3X vs 2X
Travel
TD Cash Credit Card earns 3X vs 2X
Everyday purchases
Wells Fargo Active Cash Card earns 2X on all other spending 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 Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | TD Cash Credit Card | Wells Fargo Active Cash Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | Rewards: $348 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $348 Year one: $448 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | Rewards: $1,392 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,392 Year one: $1,492 | Wells Fargo Active Cash Card | Wells Fargo Active Cash Card |
Which Card Is Right for You?
Get the TD Cash Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
Get the Wells Fargo Active Cash Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Wells Fargo Active Cash Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the Wells Fargo Active Cash Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the TD Cash Credit Card or Wells Fargo Active Cash Card?
- The Wells Fargo Active Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the TD Cash Credit Card have that the Wells Fargo Active Cash Card doesn't?
- The TD Cash Credit Card offers cell phone protection. The Wells Fargo Active Cash Card offers cell phone protection.
- Should I get the TD Cash Credit Card or the Wells Fargo Active Cash 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.