TD Double Up Credit Card
- Annual Fee
- $0
- cash back · Welcome Bonus
- $200
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Point Valuation
- 1–1 cpp (mid: 1)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $200 cash back
Spend: $1,500
Period: 3 months
Earning Rates
- 2X
All Other
Unlimited 2% cash back on all eligible purchases
Benefits & Perks
Insurance & Protections
5 protectionsZero liability for unauthorized charges
You're protected against fraudulent transactions made without your permission
Up to $3,000 lost luggage coverage per trip
$3,000
secondary
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Up to $600 cell phone coverage per claim
$600
Coverage for damage or theft of your cell phone when service is paid with this card
$500 per claim on theft or damage
$500
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Extended warranty on eligible purchases
$1
Get one extra year of warranty coverage on items purchased with your card
Program & Transfers
Cash Back Rewards
Cash Back Rewards is the rewards program for this card. Transfer-partner details are currently unavailable.
Reviews & Analysis
Pros and Cons
Pros
- +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
- +Extended warranty and lost luggage reimbursement
- +Simple rewards structure - no category tracking needed
Cons
- -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
- -Balance transfers must be made within the first 90 days of account opening to get the 0% intro APR
Who It's Best For
Best For
- Set-it-and-forget-it cardholders who want consistent 2% on everything
- TD Bank customers in eligible East Coast states
- Those who dislike tracking bonus categories
- Everyday spending across diverse categories
- Balance transfers within 90 days of opening, with 0% intro APR for 15 billing cycles
Not Ideal For
- Residents outside TD Bank's 16-state service area
- Those with heavy spending in specific categories (dining, travel) who could earn more with category cards
- International travelers (3% foreign transaction fee)
- Cardholders seeking premium travel benefits
The Math: Is $0 Worth It?
First-year value includes $200 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 18.49%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | 3% |
| Authorized User Fee | $0 |
Card Family
Td Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Td Cash | mid | $0 |
Product changes available between family members without a new credit inquiry.
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| TD Bank Official | — | TD Bank Official |
| NerdWallet | — | NerdWallet |
| CardRatings | — | CardRatings: Welcome offer.bonus cash |
| TD Bank Official | TD Bank Official: Apr.balance transfer | |
| TD Bank Official | TD Bank Official: Apr.purchase | |
| TD Bank Official | TD Bank Official: Welcome offer | |
| TD Bank Official | TD Bank Official |