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While the unique wedding favor boxes TD Cash Rewards Visa Card pays an even one percent cash-back rebate on your spending (two percent on everyday purchases for the first six months the TD Easy Rewards Visa Card pays you back in points, one point for every dollar spent.TD's basic "Green" Visa card, and that is its.5 cash back on your first 3000 in purchases, and then 1 cash back, up to some maximum.After the introductory period,.24,.24,.24 percent, depending on your creditworthiness.Why Stick with your own bank?When it comes to credit cards that pay points instead of cash, always read the fine print and try to find out exactly how much the points are worth.
That works out to a rebate.55 percent, just slightly more than half of one percent.
If you visit TD's online points redemption website, you have your choice of merchant gift cards.
The other gift cards are worth the same, either.55 percent.83 percent.The Citi card is a far better deal.These seemingly identical cards from TD Bank illustrate one of the problems with credit cards that reward you in points rather than good old-fashioned cash, namely the actual value of the points is often fuzzy.But be aware: the points card pays a much lower rebate reward than the cash-back version.Often, as in this case, the points aren't worth nearly as much as cash.These two rewards cards from TD Bank are nearly identical: one pays a cash rebate, the other in points.