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TD Double Up℠ Credit Card

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Rating

4.2/5

Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing.

Welcome Offer
Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit
Regular APR
19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
Credit Score Needed
Excellent, Good

For those seeking a high-yield cash back credit card with simplicity at its core, the TD Double Up℠ Credit Card delivers. This no-annual-fee card offers an impressive 2% cash back on all eligible purchases, positioning it as a top contender in the flat-rate rewards category.

Key Features

  • Annual Fee: $0
  • Welcome Bonus: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
  • Rewards Rate: Unlimited 2% cash back on all eligible purchases
  • Intro APR: 0% on balance transfers for 15 billing cycles
  • Foreign Transaction Fee: 3%

Rewards Program

The TD Double Up℠ Credit Card shines with its straightforward rewards structure:

  • Earn 2% cash back on all eligible purchases, with no caps or category restrictions
  • Redeem rewards once you've accumulated 2,500 points ($25 in cash back)
  • Cash back can be redeemed as a statement credit or deposited into a TD Bank account

This uncomplicated system makes the card ideal for everyday spending, eliminating the need to track rotating categories or spending limits.

Additional Benefits

Depending on your approved credit limit, you'll receive either Visa Signature or Visa Platinum benefits:

  • Visa Signature (for credit limits of $5,000+):
    • Extended warranty protection
    • Cell phone protection
    • Travel and emergency assistance services
  • Visa Platinum:
    • Auto rental collision damage waiver
    • Zero liability protection

Who Should Get This Card?

The TD Double Up℠ Credit Card is an excellent choice for:

  • Residents of TD Bank's service area seeking a high flat-rate cash back card
  • Those who prefer a simple, no-fuss rewards program
  • Consumers looking for a no-annual-fee card with strong everyday earning potential

Final Verdict

The TD Double Up℠ Credit Card offers a compelling 2% cash back rate on all purchases, making it a strong contender in the flat-rate rewards. Its simplicity and lack of annual fees are major selling points.

However, its limited availability to select East Coast states and 3% foreign transaction fee may deter some potential applicants. For those who can access it and primarily spend domestically, this card provides an excellent opportunity to maximize cash back on every purchase without the complexity of category tracking.

Pros

  • High flat-rate cash back: The TD Double Up℠ Credit Card offers an unlimited 2% cash back on all eligible purchases, ensuring cardholders earn rewards on every transaction without being limited by categories

  • No annual fee: With no annual fee, cardholders can benefit from cash back rewards without incurring additional costs, making it a cost-effective choice for everyday spending

  • Flexible redemption options: Cash back can easily be redeemed as a statement credit or deposited directly into a TD Bank account, providing convenience for users

Cons

  • Limited availability: The TD Double Up℠ Credit Card is only offered to residents in select East Coast states, restricting access for potential applicants in other regions

  • 3% foreign transaction fee: This fee can add up quickly when purchasing abroad, making the card less suitable for frequent international travelers

  • Minimum redemption threshold: Cardholders must accumulate at least 2,500 points (equivalent to $25) before redeeming their cash back, which may delay access to rewards for some users

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TD Double Up℠ Credit Card

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Rating

4.2/5
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