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CardCurator — Rewards Intelligence
Card Comparison

Chase Sapphire Preferred vs TD First Class

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Chase Sapphire Preferred card art
Chase Ultimate Rewards
Chase Sapphire Preferred
Chase
More Info
TD First Class card art
TD Bank Cash Back
TD First Class
TD Bank
More Info
Annual Fee
$95/yr
$89/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $5,000 in 3 months
25,000 points
Spend $3,000 in 6 months
Top Earn Rates
  • Chase Travel 5x
  • Dining 3x
  • Streaming 3x
  • travel and dining 3x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
  • hotel stays purchased through Chase Travel. $50
  • DoorDash Credit $10
None
Card Perks
  • DoorDash Dashpass (~$100/yr)
  • Annual Fee waived first year (~$89/yr)
Transfer Partners
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Cash back only
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Common Questions: Chase Sapphire Preferred vs TD First Class

Is the Chase Sapphire Preferred or TD First Class better for dining?

Chase Sapphire Preferred earns 3x on dining; TD First Class earns 3x on dining. Chase Sapphire Preferred wins for dining.

Which has the higher signup bonus in 2026?

Chase Sapphire Preferred currently offers 75,000 pts signup bonus (spend $5,000 in 3 months). TD First Class offers 25,000 pts signup bonus (spend $3,000 in 6 months). Chase Sapphire Preferred has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Chase Sapphire Preferred and the TD First Class?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Chase Sapphire Preferred is from Chase and TD First Class is from TD Bank, so they're governed by separate bank policies.