Pros & Cons

Pros

  • +Welcome Bonus: $200
  • +Purchase protection included
  • +No annual fee

Cons

  • Foreign Transaction Fee (3%)

Our Review

Transform Every Purchase into 2% Cash Back with the TD Double Up℠ Credit Card

  • 2% unlimited cash back on all purchases
  • $200 statement credit after you spend $1,500 in the first 90 days
  • 0% intro APR on balance transfers for the first 15 billing cycles
  • No annual fee
  • Eligibility limited to residents of select states

Whether you’re covering daily essentials or big-ticket expenses, earn a straightforward 2% back crediting automatically on every swipe—no category tracking required. With a welcome bonus to jumpstart your rewards and an intro APR on balance transfers, this card delivers both long-term value and short-term flexibility. Ideal for those in states like Connecticut, Florida, New York and more, the TD Double Up℠ makes cash back simple and consistent.

Terms apply. Welcome bonus: $200 statement credit after $1,500 spend in 90 days. 0% intro APR on balance transfers for 15 billing cycles; variable APR 19.24%–29.24% thereafter. Card not available in all states; see TD for eligibility.

Rewards

All Spending

2x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants2x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

60,000

Cash Back/yr

Estimated Value

$600

After Fees

+$600

1st Year Value

$602

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2x
Total points earned60,000 pts
Value of points accumulated in the first year$600

Perks & Benefits

Concierge

24/7

Additional Benefits

Visa Signature® card benefits. Visa concierge: your 24/7 Visa concierge can assist you with travel planning, entertainment, sending a gift to someone special and more. Travel and emergency assistance: a single phone call gets you the help that you need anywhere in the world. Roadside Dispatch®: access 24/7 roadside service with this pay-per-use program. Lost luggage: when you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000. Luxury hotel collection: enjoy special guest status at Visa Signature Luxury Hotel properties all around the world. Car rental benefits: enjoy special savings, complimentary rental upgrades (when available), waived fees and more.

Travel Insurance

Lost Baggage

Up to $3,000

Travel Accident

Up to $250,000

Purchase Protection

Purchase Protection

Up to $500 / 90 days

Mobile Device

Up to $500

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    3%

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD Bank. All trademarks are property of their respective owners.