TD Double Up℠ Credit Card
Unlimited 2% cash back on all purchases
Updated July 9, 2026 · By the MoneyAtlas Editorial Team
The TD Double Up℠ Credit Card is a simple, flat-rate cash back card, earning an unlimited 2% back on every purchase with no rotating categories, no caps, and no annual fee. Its main trade-offs are practical: it's available only to residents of TD Bank's East Coast footprint, and it charges a 3% foreign transaction fee. For everyday domestic spending, it competes directly with flat-rate cards like the Citi Double Cash® and Wells Fargo Active Cash®.
At a Glance
- Welcome Offer:
- Rewards Rate: 2% Cash Back on all eligible purchases (unlimited — no categories or caps)
- Annual Fee:
- Regular APR:
- Foreign Transaction Fee: 3%
- Credit Score:
- Credit Limit: Typically $500–$5,000+ depending on creditworthiness and existing TD Bank relationship
- Geographic Availability: Limited to TD Bank's footprint (East Coast, US)
Overview
The TD Double Up℠ Credit Card is TD Bank's answer to the popular Citi® Double Cash Card. It is designed for simplicity, targeting consumers who want one card for all purchases rather than juggling rotating categories. It earns a flat, unlimited 2% cash back on every purchase, with no bonus categories to track and no requirement to hold a TD deposit account.
Rewards & Benefits
The rewards structure is the card's namesake feature, and it's refreshingly simple.
- Earning Structure: You earn 2% Cash Back on every eligible purchase — unlimited, with no rotating categories or caps.
- No redemption conditions: You earn the full 2% no matter how you redeem — as a statement credit or a deposit to a TD Bank account. There's no requirement to hold a TD deposit account to get the full rate.
- Redemption minimum: You can redeem your cash back once you've accumulated at least $25 (2,500 points).
- Welcome Bonus:
Fees & Requirements
- Annual Fee: .
- Balance Transfer Fee: 3% (minimum $5). This applies even during the 0% intro APR period.
- Foreign Transaction Fee: 3%. Do not use this card outside the US.
- Credit Score: Requires credit.
- Residency: You typically need a residential address within TD Bank's service area (East Coast) to be approved.
Borrower Experience
- Digital Management: The card is managed through the standard TD Bank app, which is convenient if you already check your checking account there.
- Customer Service: TD Bank generally rates well for customer service compared to massive national issuers, offering 24/7 support.
Who It’s Best For
- TD Bank Customers: If you already bank with TD, the card fits neatly into the same app you already use and earns a simple, unlimited 2% on all spending.
- Simplicity Seekers: If you hate tracking "3% on dining" or "5% on gas" categories, this card offers a "set it and forget it" strategy.
- Balance Transfer Seekers: Its is competitive for consolidating debt.
Who Should Skip It
- Category Maximizers: If most of your spending is concentrated in dining, groceries, or gas, a bonus-category card can out-earn a flat 2%.
- West Coast Residents: If you live outside TD’s footprint, you likely cannot apply.
- International Travelers: The 3% foreign transaction fee makes this card useless abroad.
Compare
Bottom Line Verdict
The TD Double Up℠ Credit Card is a solid flat-rate cash back card. It earns an unlimited 2% on every purchase with no categories, caps, or annual fee. Its main limitations are East Coast-only availability and a 3% foreign transaction fee — but for everyday domestic spending, it's a simple, strong choice.
Also evaluating other TD Bank cards? Compare the TD Cash Credit Card for category-specific rewards or the TD FlexPay Credit Card for flexible installment payment options.
FAQ
Pros
Simple unlimited 2% cash back: Earn 2% on all purchases with no categories or caps
Intro APR on balance transfers: 0% for 15 billing cycles with no annual fee
Visa Signature perks included: Features like cell-phone and rental protection when you pay with the card
Cons
No bonus categories or elevated rewards: Everything earns 2%, with no category bonuses or rotational offers
Foreign transaction fee applies: Charges 3% on purchases made in foreign currency
Limited to TD Bank's footprint: Only available to residents of 16 East Coast states plus Washington, D.C.