2017 Comparison of Popular Rewards Cards: Wells Fargo Rewards® vs Gold Delta Skymiles vs American Express Blue vs TD Bank Cash Card
Rewards programs, cash back programs, loyalty programs – whatever you want to call them, they have come to be expected with any credit card. Whenever customers sign up for a credit card they want to know, “So, what perks do I get?”
Of course, it can be difficult to find side-by-side comparisons of rewards credit cards from different companies.
A single company will only compare their card to other rewards cards that they offer, not their competition. As a result, we have compiled a comparison of a few credit cards. In this article, we will look at the Gold Delta SkyMiles® Card, the American Express Blue Cash card, the Wells Fargo Rewards® card, and the TD Cash credit card.
Image Source: Popular Rewards Cards
But as you’re comparing the Gold Delta SkyMiles® Card or the Amex Blue Cash Everyday® Card or the TD cashback credit card, you are likely wondering how you can tell which rewards programs are best. Some of the best rewards programs include:
- An unlimited amount of time to use up your points (the condition that your account remain open is a reasonable request)
- A tiered points system that allows you to earn premium points on specific purchases like gas or groceries
- A comprehensive rewards program that allows you to redeem your points for a wide variety of products and services in gifts, merchandise, travel, and
more
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Comparison Review List
The list below is sorted alphabetically (click any of the names below to go directly to the detailed review section):
- Blue Cash Everyday® Card
- Gold Delta SkyMiles® Credit Card
- TD Cash Credit Card
- Wells Fargo Rewards® Credit Card
High Level Comparison Table
Credit Cards | Purchase APR | Annual Fee |
Blue Cash Everyday® Card | 13.24% to 23.24% | $0 |
Gold Delta SkyMiles® Credit Card | 15.99% to 24.99% | $95 |
TD Cash Back Credit Card | 13.24%, 18.24%, or 23.24% | $0 |
Wells Fargo Rewards® Credit Card | 12.40% to 26.24% | $0 |
Table: The above list is sorted alphabetically
Blue Cash Everyday® Card Review
The Blue Cash Everyday® Card from American Express is a unique credit product. In addition to an unually low annual fee from this prestigious financial company, the American Express Blue Cash card comes with an attractive rewards program that makes the Amex Blue Cash card stand out.
Image Source: Blue Cash Everyday Card
Rates & Fees on the American Express Blue Cash Card
The Blue Cash American Express card has an annual fee of $0 a year. For those who are familiar with the prestige of the American Express brand, the non-existent annual fee on the Amercian Express Blue Cash Card will come as a surprise.
American Express is known for the steep annual fees that accompany its credit cards, and one would expect the Amex Blue Cash card would be no exception.
The Amex Blue Cash APR for Blue Cash American Express cardholders is a variable rate of 13.24% to 23.24%. The exact rate that an American Express Blue Cash card members receives depends on their credit history and accompanying credit score.
Those who sign up for a Blue Cash American Express card receive an introductory APR. For the first 12 months, American Express Blue Cash holders get an APR of 0%.
American Express Blue Cash Rewards Program
The Amex Blue Cash program that members access when they sign up for an American Express Blue Cash card is received in the form of cash back. Blue Cash American Express customers receive 3% cash back when they make purchases at U.S. supermarkets with a maximum of $6,000.
After Amex Blue Cash members pass this $6,000 limit, their supermarket purchases using their American Express Blue Cash card are not totally ineligible. They receive the 1% cash back rate of non-premium purchases made using your Blue Cash American Express card.
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There is also a premium rewards tier on the Amex Blue Cash card for purchases made at participating U.S. gas stations and department stores using your American Express Blue Cash card. Purchases using your Blue Cash American Express card at these locations earn 2% cash back.
All other purchases, considered regular purchases, that are made using your American Express Blue Cash Everyday® card earn 1% cash back. When you redeem the Amex Blue Cash rewards you’ve earned, you receive the cash back in the form of a statement credit on your Blue Cash American Express account.
You can amp up the earning potential on your American Express Blue Cash account by ordering additional cards for authorized users, like friends or family. This can help you boost the earnings potential on your Blue Cash American Express account.
Additional Travel Perks & Services with the American Express Blue Cash Card
American Express Blue Cash card members receive Car Rental Loss and Damage Insurance. When you use your Amex Blue Cash card to rent a car, you are covered in the event of damage or theft.
Blue Cash American Express members who travel more than 100 miles from home have access to the American Express Global Assist hotline that can help travelers if they need medical or legal referrals or need help locating missing luggage, replacing passports, wiring cash, and more.
There is also a Roadside Assistance Hotline for American Express Blue Cash card members who are traveling within the U.S., Canada, Puerto Rico, and the U.S. Virgin Islands who need things like a battery boost or towing.
Additionally, if you pay your entire fare for a common carrier (i.e. plane, train, ship) using your American Express Blue Cash card, you receive Travel Accident Insurance in the case of dismemberment or accidental death.
Purchase Benefits of the American Express Blue Cash Card
The American Express Blue Cash card comes with the option for an Extended Warranty on purchases made using your Amex Blue Cash Card in addition to Return Protection for items you want to return within 90 days but that the merchant won’t take back. You also receive conditional protection for theft or damage to your mobile phone as a Blue Cash American Express member.
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Gold Delta SkyMiles® Credit Card Review
Image Source: Gold Delta SkyMiles® Credit Card
The Gold Delta SkyMiles® credit card from American Express is a stepped-up version of the previously reviewed card from American Express. And instead of offering cash back, this card, the Gold Delta SkyMiles® credit card, offers rewards through miles for travel.
Rates & Fees of the Gold Delta SkyMiles® Credit Card
The APR on the Gold Delta SkyMiles® credit card is 15.99% to 24.99%. It’s a variable rate, and the exact rate you receive as a Gold Delta SkyMiles member is determined by your creditworthiness. There is no introductory APR offer on the Gold Delta SkyMilesÒ credit card.
The annual fee for the Gold Delta SkyMiles credit card and the accompanying Gold Delta SkyMiles rewards program is $95. But for the first 12 months, Gold Delta SkymilesÒ credit card customers receive an introductory annual fee of $0.
Gold Delta SkyMiles® Rewards Program
Using your Gold Delta SkyMiles® credit card, you can earn miles through all of the purchases you make. Miles that you earn through your Gold Delta SkyMiles® credit card can be redeemed through Delta Air Lines (the airline that American Express partnered with for this program) or through 15 airline partners.
Gold Delta SkyMiles® credit card members also get their first checked bag for free. Additionally, part of the Gold Delta SkyMiles® rewards is the privilege of priority boarding onto your flight. There are also no foreign transaction fees when you use your Gold Delta SkyMiles® credit card while abroad.
Additional Perks and Services with the Gold Delta SkyMiles® Credit Card
The Gold Delta SkyMiles® rewards program gives Gold Delta SkyMiles® credit card holders reduced price access to the Delta Sky Club®, where travelers can enjoy snacks, beverages, wifi, and more.
Gold Delta SkyMiles® members also benefit from car rental loss and damage insurance so that when they rent a car using their Gold Delta SkyMiles® credit card, they can travel with additional peace of mind.
Gold Delta SkyMiles® credit card customers can also access the Global Assist Hotline, which can help Gold Delta SkyMiles customers in case of any emergency that requires assistance with referrals and coordination.
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TD Cash Credit Card Review
Image Source: TD Cash Credit Card
The TD Cash Credit Card from TD Bank is another no-frills cash back rewards credit card for consumers who want to earn while they spend without going broke paying annual fees.
Rates & Fees of the TD Cash Back Credit Card
For regular purchases, the TD U.S. credit card comes with a variable APR of 13.24%, 18.24%, or 23.24%. The exact rate you get for the TD cash back credit card depends on your credit score and credit history. Unfortunately, there is no introductory APR for the TD Cash credit card.
For balance transfers to your TD Cash credit card, the APR is the same as for regular purchases – 13.24%, 18.24%, or 23.24% with the exact number being determined by the individual applicant’s credit score. The good news about those who want to do a balance transfer to their TD cash back credit card is that there is an introductory APR for balance transfers on a TD U.S. credit card.
For the first 12 months after you open your TD U.S. credit card account, you get an introductory APR of 0% on any balance transfers to your TD cash back credit card. This way, if you want to transfer some debt from another card to your TD Cash credit card, you can spend an entire year reducing the balance without having to concern yourself with growing interest.
With the TD Cash credit card, you only pay $10 or 4% of the transfer – it depends which one is higher. The APR for cash advances from your TD cash back credit card is 23.49%. There is no annual fee for this credit card.
TD Cash Credit Card Rewards Program
The TD Cash credit card rewards program is a no-frills cash back program, with pretty decent rates and no annual fee. But this also means that there are limitations to the TD cash back credit card program that you wouldn’t experience with, say, the Gold Delta SkyMiles® Card.
You earn 2% cash back on dining, but only if you spent $500 on dining each month using your TD Cash credit card. You get one percent on all other purchases so long as $1000 is spent each month using your TD cash back credit card.
There is also an introductory bonus offer on the TD Cash credit card. If you spent $500 on any items using your TD cash back credit card within the first 90 days, you receive $150 cash back which is equal to 15,000 points. You don’t have to redeem your rewards for cash. You can also redeem your TD U.S. credit card rewards for gift cards, travel rewards, and select merchandise.
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Wells Fargo Rewards® Credit Card Review
Image Source: Wells Fargo Rewards® Card
The Wells Fargo Rewards® Card from Wells Fargo is another no annual fee card with a rewards program that consumers may find promising.
Wells Fargo Rewards® Card Rates & Fees
The APR range for regular purchases on your Wells Fargo Rewards credit card is 12.40% to 26.24%, depending on the applicant’s creditworthiness. But there is an introductory APR for the Wells Fargo Rewards® card that allows approved applicants 12 months of a 0% APR.
The same goes for balance transfers on the Wells Fargo Rewards® Card. The APR is variable – between 12.40% and 26.24% – and the final number is based on the applicant’s creditworthiness. For the first 12 months, a balance transfer to your Wells Fargo Rewards credit card accrues 0% interest, giving you time to pay down your debt interest free.
As mentioned, the annual fee on the Wells Fargo Rewards® credit card is $0.
Wells Fargo Rewards® Card Perks & Rewards Program
You can earn points quickly using your Wells Fargo Rewards® Card. You get 5 points for every dollar that you spend on groceries, gas, and drug store purchases. One point for all other purchases made on your Wells Fargo Rewards credit card, and you get five years to use up all of your points.
The time limit for using your rewards is one drawback to the Wells Fargo Rewards® Card. Unlike other cards like the Gold Delta SkyMiles® Card or the American Express Blue Cash Everyday® Card, the points are not available to you indefinitely. If five years go by and you have not redeemed the points on your Wells Fargo Rewards® credit card, you’re out of luck.
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Conclusion: Find a Rewards Card That Is Both Useful and Affordable
Almost every credit card today has a rewards program. Some come with extensive perks, services, and an annual fee like the American Express Blue Cash Everyday® Card, and others are more lowkey and scaled back, like the Wells Fargo Rewards® credit card or the TD Cash Credit Card.
You should make sure that the price you pay in annual fees is proportionate to the amount of rewards you get out of the card. If you don’t travel often, a $95 annual fee for the Gold Delta SkyMiles® Card just may not be worth it.
Assess your financial needs and spending habits to find the credit card that makes the most sense for you.
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