Fidelity Rewards Visa Signature Card vs TD Double Up Credit Card
Both cards cost $0/yr. The Fidelity Rewards Visa Signature Card leads on everyday spending; the TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
Fidelity Rewards Visa Signature CardElan Financial · No annual fee
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Fidelity Rewards Visa Signature Card$0TD Double Up Credit Card$0
- Welcome offerCurrent public offer
- Fidelity Rewards Visa Signature Card—TD Double Up Credit Card$200 cash back
- Rewards
- Fidelity Rewards Visa Signature CardCash backTD Double Up Credit Card—
- Foreign transaction fee
- Fidelity Rewards Visa Signature CardNoneLowestTD Double Up Credit Card3%
- Network
- Fidelity Rewards Visa Signature CardVisa SignatureTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Fidelity Rewards Visa Signature Card2%TD Double Up Credit Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Fidelity Rewards Visa Signature Card
- Up to $100 back for Global Entry or TSA PreCheck · $100 every 4 years
TD Double Up Credit Card—
Perks & access— means none on record
- Hotel status & programs
- Fidelity Rewards Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
TD Double Up Credit Card- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- Fidelity Rewards Visa Signature Card
- 24/7 Visa Signature Concierge service
- OpenTable dining access after card verification
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
- Fidelity Rewards Visa Signature Card
- Travel Accident Insurance · up to $250,000
TD Double Up Credit Card— - Baggage
- Fidelity Rewards Visa Signature Card
- Up to $3,000 lost luggage coverage per trip
TD Double Up Credit Card- Up to $3,000 lost luggage coverage per trip
- Rental car
- Fidelity Rewards Visa Signature Card
- Auto rental collision damage waiver · up to $75,000
TD Double Up Credit Card— - Purchase & returns
- Fidelity Rewards Visa Signature Card
- $500 per claim on theft or damage
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- Fidelity Rewards Visa Signature Card—TD Double Up Credit Card
- Extended warranty on eligible purchases · up to $1
- Cell phone
- Fidelity Rewards Visa Signature Card—TD Double Up Credit Card
- Up to $600 cell phone coverage per claim
- Other protections
- Fidelity Rewards Visa Signature Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
TD Double Up Credit Card- Zero liability for unauthorized charges
Pros & cons
- Pros
- Fidelity Rewards Visa Signature Card
- True 2% unlimited cash back on all purchases with no annual fee
- Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
- No minimum redemption threshold (rewards deposit automatically)
- No foreign transaction fee (removed September 1, 2023)
- Visa Signature benefits in the issuer's Guide to Benefits: purchase security, lost luggage reimbursement, auto rental collision damage waiver, travel accident insurance, concierge
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
- Fidelity Rewards Visa Signature Card
- The 2% cash back value applies only when points are deposited into an eligible Fidelity account
- Not flexible if you ever want to leave Fidelity
- No premium travel benefits or lounge access
- Issued by Elan Financial Services, not Fidelity directly (customer service may vary)
- No welcome bonus is listed on the issuer's page
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
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 | Fidelity Rewards Visa Signature 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: $240 | 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: $960 | 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 |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Fidelity Rewards Visa Signature Card or TD Double Up Credit Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Fidelity Rewards Visa Signature Card have that the TD Double Up Credit Card doesn't?
- The Fidelity Rewards Visa Signature Card focuses on earn rates, while the TD Double Up Credit Card offers cell phone protection.
- Should I get the Fidelity Rewards Visa Signature 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.