Bilt Blue Card vs TD Double Up Credit Card
Both cards cost $0/yr. The Bilt Blue Card leads on rent and dining; the TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
Bilt Blue CardCardless · No annual fee
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Bilt Blue Card$0TD Double Up Credit Card$0
- Welcome offerCurrent public offer
- Bilt Blue Card$100 in rewardsTD Double Up Credit Card$200 cash back
- Rewards
- Bilt Blue CardBilt PointsTD Double Up Credit Card—
- Foreign transaction fee
- Bilt Blue CardNoneLowestTD Double Up Credit Card3%
- Network
- Bilt Blue CardMastercard World EliteTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent
- Mortgage
- Bilt Blue Card1.25xTD Double Up Credit Card2xHighest
- Rent
- Bilt Blue Card1.25xTD Double Up Credit Card2xHighest
- Everything else
- Bilt Blue Card1xTD Double Up Credit Card2xHighest
Perks & access— means none on record
- Hotel status & programs
- Bilt Blue Card—TD Double Up Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- Bilt Blue Card
- No foreign transaction fees
TD Double Up Credit Card- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Protections & insuranceLimits where published · — means none on record
- Baggage
- Bilt Blue Card—TD Double Up Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Bilt Blue Card
- Secondary rental car collision damage waiver
TD Double Up Credit Card— - Purchase & returns
- Bilt Blue Card
- $1,000 purchase protection per item for 90 days
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- Bilt Blue Card—TD Double Up Credit Card
- Extended warranty on eligible purchases · up to $1
- Cell phone
- Bilt Blue Card
- Up to $800 cell phone protection per claim
TD Double Up Credit Card- Up to $600 cell phone coverage per claim
- Other protections
- Bilt Blue Card—TD Double Up Credit Card
- Zero liability for unauthorized charges
Pros & cons
- Pros
- Bilt Blue Card
- No annual fee
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- 4% Bilt Cash on all non-housing spend (stackable with 1X points)
- $100 Bilt Cash welcome bonus with no spending requirement
- Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
TD Double Up Credit Card- Unlimited 2% cash back on all purchases with no category restrictions
- No annual fee
- $200 welcome bonus
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- Cons
- Bilt Blue Card
- Only 1X points on non-housing purchases (below average for flat-rate cards)
- Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
- Most Bilt Cash expires at year-end (only $100 rolls over)
- No bonus categories like dining or travel (those are Obsidian features)
- Fewer card-specific protections than Obsidian or Palladium
TD Double Up Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- $1,500 spend requirement for welcome bonus (higher than TD Cash)
- 2,500 points ($25) minimum redemption threshold
- Regional bank with limited branch footprint
Category-by-Category Winner
The TD Double Up Credit Card wins in 3 of 3 categories. The Bilt Blue Card leads in 0.
Rent
TD Double Up Credit Card earns 2X vs 1.25X
Mortgage
TD Double Up Credit Card earns 2X vs 1.25X
Everyday purchases
TD Double Up Credit Card earns 2X on all other spending vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Bilt Blue Card | TD Double Up Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $340 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | Close — depends on how much of the credits you use | TD Double Up Credit Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,060 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | Close — depends on how much of the credits you use | TD Double Up Credit Card |
Which Card Is Right for You?
Get the TD Double Up Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Close — depends on how much of the credits you use
Everyday (non-bonus) spend earns 2X on the TD Double Up Credit Card vs 1X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Bilt Blue Card or TD Double Up Credit Card?
- The TD Double Up Credit Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the Bilt Blue Card have that the TD Double Up Credit Card doesn't?
- The Bilt Blue Card offers cell phone protection. The TD Double Up Credit Card offers cell phone protection.
- Should I get the Bilt Blue Card or the TD Double Up Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.