Navy Federal Visa cashRewards Card vs TD Double Up Credit Card
Both cards cost $0/yr. The Navy Federal Visa cashRewards Card leads on everyday spending; the TD Double Up Credit Card on everyday spending.
Card data as of November 13, 2026.
Navy Federal Visa cashRewards CardNavy Federal · No annual fee
- TD Double Up Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Navy Federal Visa cashRewards Card$0TD Double Up Credit Card$0
- Welcome offerCurrent public offer
- Navy Federal Visa cashRewards Card$250 cash backTD Double Up Credit Card$200 cash back
- Rewards
- Navy Federal Visa cashRewards CardCash backTD Double Up Credit Card—
- Foreign transaction fee
- Navy Federal Visa cashRewards CardNoneLowestTD Double Up Credit Card3%
- Network
- Navy Federal Visa cashRewards CardVisa SignatureTD Double Up Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Everything else
- Navy Federal Visa cashRewards Card1.5%TD Double Up Credit Card2x
Perks & access— means none on record
- Hotel status & programs
- Navy Federal Visa cashRewards Card—TD Double Up Credit Card
- Breakfast for 2, upgrades and VIP status at luxury hotels
- Other perks
- Navy Federal Visa cashRewards Card
- Emergency roadside dispatch coverage up to $500
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
- Navy Federal Visa cashRewards Card—TD Double Up Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Navy Federal Visa cashRewards Card
- Auto Rental Collision Damage Waiver
TD Double Up Credit Card— - Purchase & returns
- Navy Federal Visa cashRewards Card
- Purchase protection up to $500 per claim for 90 days
TD Double Up Credit Card- $500 per claim on theft or damage
- Extended warranty
- Navy Federal Visa cashRewards Card
- Extended warranty protection up to 12 months · up to $12
TD Double Up Credit Card- Extended warranty on eligible purchases · up to $1
- Cell phone
- Navy Federal Visa cashRewards Card—TD Double Up Credit Card
- Up to $600 cell phone coverage per claim
- Other protections
- Navy Federal Visa cashRewards Card—TD Double Up Credit Card
- Zero liability for unauthorized charges
Pros & cons
- Pros
- Navy Federal Visa cashRewards Card
- No annual fee
- Unlimited 1.5% cash back on all purchases with no caps
- $250 welcome bonus after $2,500 spend in 90 days (achievable threshold)
- Simple rewards structure with no category management
- Fair credit may qualify (accessible to building credit)
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
- Navy Federal Visa cashRewards Card
- Limited to Navy Federal membership eligibility (military, DoD, family members)
- 1.5% flat rate is lower than 2% flat-rate competitors
- No bonus categories for higher earning potential
- Welcome bonus spend window is 90 days (standard timeframe)
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 1 of 1 categories. The Navy Federal Visa cashRewards Card leads in 0.
Everyday purchases
TD Double Up Credit Card earns 2X on all other spending vs 1.5X
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 TD Double Up Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Navy Federal Visa cashRewards Card | TD Double Up Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $430 | Rewards: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | TD Double Up Credit Card | TD Double Up Credit Card |
| Heavy spender: $4,000/month | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $970 | Rewards: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | TD Double Up Credit Card | 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
Both scenarios favor the TD Double Up Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the TD Double Up Credit Card vs 1.5X on the other card.
Frequently Asked Questions
- Which card earns more rewards, the Navy Federal Visa cashRewards Card or TD Double Up Credit Card?
- The TD Double Up Credit Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
- What benefits does the Navy Federal Visa cashRewards Card have that the TD Double Up Credit Card doesn't?
- The Navy Federal Visa cashRewards Card focuses on earn rates, while the TD Double Up Credit Card offers cell phone protection.
- Should I get the Navy Federal Visa cashRewards 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.