CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The TD Cash Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AvantCard Credit Card | TD Cash Credit Card |
|---|---|---|
| Customizable Primary | 1X | 3X |
| Dining | 1X | 3X |
| Entertainment | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Travel | 1X | 3X |
Network
Key Benefits
Pros
Cons
The TD Cash Credit Card wins in 7 of 7 categories. The AvantCard Credit Card leads in 0.
Customizable Primary
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
Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
The AvantCard Credit Card costs $59/yr — that's $59 more than the TD Cash Credit Card (no annual fee). To justify that gap, you need to extract at least $59 in annual value from the card's higher earn rates and benefits.
Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.
The TD Cash Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.
Choose the TD Cash Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The TD Cash Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AvantCard Credit Card | TD Cash Credit Card |
|---|---|---|
| Customizable Primary | 1X | 3X |
| Dining | 1X | 3X |
| Entertainment | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Travel | 1X | 3X |
Network
Key Benefits
Pros
Cons
The TD Cash Credit Card wins in 7 of 7 categories. The AvantCard Credit Card leads in 0.
Customizable Primary
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
Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
The AvantCard Credit Card costs $59/yr — that's $59 more than the TD Cash Credit Card (no annual fee). To justify that gap, you need to extract at least $59 in annual value from the card's higher earn rates and benefits.
Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.
The TD Cash Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.
Choose the TD Cash Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The TD Cash Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AvantCard Credit Card | TD Cash Credit Card |
|---|---|---|
| Customizable Primary | 1X | 3X |
| Dining | 1X | 3X |
| Entertainment | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 1X | 3X |
| Travel | 1X | 3X |
Network
Key Benefits
Pros
Cons
The TD Cash Credit Card wins in 7 of 7 categories. The AvantCard Credit Card leads in 0.
Customizable Primary
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
Customizable Secondary
TD Cash Credit Card earns 2X vs 1X
The AvantCard Credit Card costs $59/yr — that's $59 more than the TD Cash Credit Card (no annual fee). To justify that gap, you need to extract at least $59 in annual value from the card's higher earn rates and benefits.
Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.
The TD Cash Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.
Choose the TD Cash Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| Customizable Secondary | 1X | 2X |
Get the TD Cash Credit Card if you:
| Customizable Secondary | 1X | 2X |
Get the TD Cash Credit Card if you:
| Customizable Secondary | 1X | 2X |
Get the TD Cash Credit Card if you: