Which card is better for groceries, Preferred Visa or TD Business Cash Back Visa?

The Preferred Visa earns 1% on groceries, while the TD Business Cash Back Visa earns base rate. The better choice depends on your grocery spending and the specific merchants you shop at.

Which card is better for international purchases?

The Preferred Visa has no foreign transaction fee, while the TD Business Cash Back Visa has a 2.5% foreign transaction fee. The card with no FX fee is better for international purchases.

Preferred Visa vs TD Business Cash Back Visa — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

Too close to call — $39 difference per year

Preferred Visa wins groceries (+$128), bills & utilities (+$48)
TD Business Cash Back Visa wins gas (+$36), dining & restaurants (+$33)

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

TD Business Cash Back Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$347

FX costsNo FX fee

Annual fee−$0

$308

/first year

0.7% effective$26/mo

vs 1% no-fee card: −$111

Annual rewards earned+$138

Welcome bonus+$200

FX costs−$30

Annual fee−$0

Too close to call — choose based on network acceptance or benefits.

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

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The Bottom Line

Too close to call — $39 difference per year

Preferred Visa wins groceries (+$128), bills & utilities (+$48)
TD Business Cash Back Visa wins gas (+$36), dining & restaurants (+$33)

Groceries: +$128Bills & Utilities: +$48Shopping: +$42

Choose based on:

Network preference — Visa/MC acceptance at your regular merchants
Existing loyalty program alignment
Welcome bonus timing and eligibility
Benefits you value — lounge access, insurance, purchase protection

Showing Year 1 analysis

Year-over-Year

Year 1

Too close to call

Year 2+

Preferred Visa

by $239 — ongoing earn advantage

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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Preferred Visa

TD Business Cash Back Visa

Too close to call — $39 difference per year

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Year-over-Year

Data Sources

Preferred Visa

TD Business Cash Back Visa

Too close to call — $39 difference per year

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Welcome Bonus

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Year-over-Year

Data Sources