TD Double Up Credit Card Review [2025]: More Cash Back, Less Fuss

TD Double Up Credit Card basics

Who should get the TD Double Up Credit Card?

If you want a simple cash back credit card with a $0 annual fee, consider the TD Double Up Credit Card. The TD Double Up Credit Card has a straightforward earning rate that's easy to keep track of. Earn an unlimited 2% Cash Back on all eligible purchases.

That means you don't have any bonus categories where you could potentially earn higher rewards rates, but you also don't have to think about how many rewards an eligible purchase might earn. If you prefer simplicity, you're in the right place.

You can also take advantage of 0% intro APR for 15 billing cycles on balance transfers (then 19.24%, 24.24% or 29.24% (variable)). There's no intro APR offer on purchases.

Keep in mind that the TD Double Up Credit Card charges 3% foreign transaction fees, so it's not an ideal card to use while traveling internationally.

TD Double Up Credit Card benefits and perks

• Earning potential: Unlimited 2% Cash Back on all eligible purchases.
• $0 annual fee: Don't worry about an annual cost with a $0 annual fee on your new card.
• Introductory APR offer: Benefit from 0% intro APR for 15 billing cycles on balance transfers (then 19.24%, 24.24% or 29.24% (variable)).
• Generous welcome offer: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
• Visa benefits: Many TD Bank credit cards provide additional Visa benefits to new cardholders. The TD Double Up Credit Card is a Visa Platinum card, which includes cell phone protection and roadside dispatch.

TD Double Up Credit Card drawbacks

• Residency requirements: Your address must be within the TD Bank footprint to apply for a TD Bank credit card. The TD Bank footprint includes Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.
• No intro APR offer on purchases: The TD Double Up Credit Card only has an intro APR offer on balance transfers. Some other 0% intro APR credit cards can be better options since they offer intro APR on purchases and balance transfers.
• Limited protection benefits: The TD Double Up Credit Card provides cell phone protection, but not purchase protection or extended warranty coverage, which are often provided on Visa Signature cards. Check out some of the best credit cards if you want more protection benefits.
• Foreign transaction fees: You have to pay 3% foreign transaction fees with the TD Double Up Credit Card, making it a poor choice for international purchases. The best travel credit cards typically have no foreign transaction fees, while also earning travel rewards.

Earning and redeeming TD Double Up Credit Card rewards

Potential earnings in years one and two

Here's a look at how your rewards can add up with the TD Double Up Credit Card. To calculate these values, we used a point valuation of one cent per point.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend, if applicable.

Year one earnings: $950

Year two earnings: $750

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model which takes a look at points earned via spending, the welcome bonus, and the annual fee.

Best ways to earn

The best way to earn rewards with the TD Double Up Credit Card is to use it as much as possible on purchases you already plan on making. This may include everyday purchases, such as gas, groceries, and dining.

The TD Double Up Credit Card doesn't have any bonus categories, which means you earn the same 2% rate on all eligible purchases.

Maximizing your redemptions

The TD Double Up Credit Card is a cash back credit card that earns points on eligible purchases. You can redeem your points for:

• Statement credits or direct deposits into a U.S. checking or savings account (minimum 2,500-point redemption)
• Gift cards
• Merchandise
• Travel

Your points are worth at least one cent ($0.01) per point if redeemed for cash back, gift cards, or travel. So these are likely your best redemption options if you want to maximize your rewards value.

Other cards to consider

If the TD Double Up Credit Card doesn't seem like the right fit for you, consider the Wells Fargo Active Cash^® Card and Blue Cash Everyday^® Card from American Express. See how all three cards compare.

Wells Fargo Active Cash^® Card

The Wells Fargo Active Cash is similar to the TD Double Up Credit Card with some of its benefits, including its rewards rate and intro APR offer on qualifying balance transfers. But the Active Cash also provides 0% intro APR on purchases for 12 months from account opening (then 19.24%, 24.24%, or 29.24% Variable).

Learn more in our Wells Fargo Active Cash review.

Blue Cash Everyday^® Card from American Express

The Blue Cash Everyday^® Card from American Express provides potentially better earning opportunities than the TD Double Up Credit Card since it has bonus categories. This includes 3% cash back at U.S. supermarkets, U.S. gas stations, and U.S. online retail purchases (up to $6,000 per year on eligible purchases in each category, then 1%); and 1% cash back on other eligible purchases (cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout).

Learn more in our Blue Cash Everyday^® Card from American Express review.

FAQ

Bottom line

We think the TD Double Up Credit Card makes sense if you want a cash back credit card with a simple earning rate that works for most purchases. There's nothing complicated about the TD Double Up Credit Card, making it a great choice for everyday earning.

We don't think the TD Double Up Credit Card has the best card protections since there's no purchase protection or extended warranty coverage, and it's also lacking an intro APR offer on purchases. In addition, depending on your spending habits, you might prefer a rewards card with bonus categories rather than a flat cashback rate.

For our top recommendations, check out our list of the best cash back credit cards.

Easy Cash Back on All Purchases

TD Double Up Credit Card

4.6

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

TD Double Up Credit Card

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Rates and fees

Current Offer

Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening

Annual Fee

$0

Rewards Rate

Unlimited 2% Cash Back on all eligible purchases

Benefits and Drawbacks

Benefits

• Earns a higher base cash back rate than most cards at this price point
• $0 annual fee
• Decent intro APR offer on balance transfers
• Offers cell phone protection

Drawbacks

• Must live within TD Bank’s branch footprint to apply
• No intro APR offer for new purchases

Card Details

• Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
• Earn unlimited 2% Cash Back on all eligible purchases
• No reward categories, no caps, no worries.​
• Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
• No annual fee
• Contactless Payments/Digital Wallet
• Instant credit card replacement
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
• Balance transfer offer: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that 19.24%, 24.24% or 29.24% variable APR based on your credit worthiness.