Chase Freedom Flex vs TD Double Up Credit Card
Both cards cost $0/yr. The Chase Freedom Flex leads on rotating quarterly; the TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
Chase Freedom FlexChase · No annual fee
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Chase Freedom Flex$0TD Double Up Credit Card$0
- Welcome offerCurrent public offer
- Chase Freedom Flex$200 cash backTD Double Up Credit Card$200 cash back
- Rewards
- Chase Freedom FlexCash backTD Double Up Credit Card—
- Foreign transaction fee
- Chase Freedom FlexNoneLowestTD Double Up Credit Card3%
- Network
- Chase Freedom FlexMastercard World EliteTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Rotating Quarterly
- Chase Freedom Flex5%TD Double Up Credit Card2x
- Dining
- Chase Freedom Flex3%TD Double Up Credit Card2x
- Drugstores
- Chase Freedom Flex3%TD Double Up Credit Card2x
- Everything else
- Chase Freedom Flex1%TD Double Up Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Chase Freedom Flex
- DoorDash DashPass · $60 one-time
- DoorDash DashPass · $10 quarterly
TD Double Up Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Chase Freedom Flex—TD Double Up Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- Chase Freedom Flex
- No foreign transaction fees on purchases worldwide
- 24/7 roadside assistance for towing and emergencies
- 24/7 travel assistance anywhere in the world
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
- Trip insurance
- Chase Freedom Flex
- Up to $6,000 trip cancellation and interruption coverage
TD Double Up Credit Card— - Baggage
- Chase Freedom Flex—TD Double Up Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Chase Freedom Flex
- Secondary rental coverage when you skip the counter option
TD Double Up Credit Card— - Purchase & returns
- Chase Freedom Flex
- 24/7 fraud monitoring
- Credit Journey
- Up to $500 protection for damaged or stolen purchases
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- Chase Freedom Flex
- Add an extra year to manufacturer warranties
TD Double Up Credit Card- Extended warranty on eligible purchases · up to $1
- Cell phone
- Chase Freedom Flex—TD Double Up Credit Card
- Up to $600 cell phone coverage per claim
- Other protections
- Chase Freedom Flex
- 24/7 lost/stolen card assistance worldwide
TD Double Up Credit Card- Zero liability for unauthorized charges
Pros & cons
- Pros
- Chase Freedom Flex
- 5% on rotating categories up to $1,500/quarter when activated
- 3% on dining and drugstores with no annual cap
- 5X on Chase Travel portal purchases
- $0 annual fee with Mastercard World Elite benefits
- No foreign transaction fees (new for 2026)
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
- Chase Freedom Flex
- Must activate quarterly categories or miss 5% bonus
- $1,500 quarterly cap on 5% categories ($300 max bonus/quarter)
- Points worth only 1 cent without Sapphire card pairing
- Welcome bonus lower than Sapphire cards
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 Chase Freedom Flex wins in 2 of 3 categories. The TD Double Up Credit Card leads in 1. 5 more categories depend on booking channel or caps.
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter before deadline
Chase Freedom Flex earns 5X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
Chase Freedom Flex earns 5X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Freedom Flex earns 5X when conditions are met; TD Double Up Credit Card earns 2X (2X without restrictions)
Dining
Chase Freedom Flex earns 3X vs 2X
Drugstores
Chase Freedom Flex earns 3X vs 2X
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.
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Chase Freedom Flex | TD Double Up Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $281 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $301 Year one: $531 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | Chase Freedom Flex | Chase Freedom Flex |
| Heavy spender: $4,000/month | Rewards: $1,123 Credits (our usable estimate): $20 − Annual fee ($0) Ongoing: $1,143 Year one: $1,373 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | Chase Freedom Flex | Chase Freedom Flex |
Which Card Is Right for You?
Get the Chase Freedom Flex if you:
- +Spend $300+/month on restaurants and dining out
Get the TD Double Up Credit Card if you:
- +Prefer a high flat rate across all spending
The Bottom Line
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
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 Chase Freedom Flex 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 Chase Freedom Flex have that the TD Double Up Credit Card doesn't?
- The Chase Freedom Flex offers dining credits. The TD Double Up Credit Card offers cell phone protection.
- Should I get the Chase Freedom Flex 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.