TD Double Up Credit Card
TD Bank
No Annual Fee
Annual Fee
visaGoodno-annual-fee17 days ago
Welcome Offer
$200Spend $1,500 within 3 months
OpenCard analysis
Is the TD Double Up Credit Card right for you?
The TD Double Up is a no-annual-fee cash-back card from TD Bank. It earns a flat 2% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.
Who it's for
- ✓ Anyone who wants flat-rate rewards without paying an annual fee
- ✓ People who want one rate (2%) everywhere without tracking categories
First-year value estimate
Welcome bonus
$200
Rewards on spending
$240
Annual fee (year 1)
−$0
Year 1, before credits
$440
Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).
Assumptions
- $12,000 a year of purchases at 2%, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: the $200 bonus at face value ≈ $200.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.
How it compares
Amex Morgan Stanley Blue →
American Express, same $0 annual fee; earns 1% on everything.
Bank of America Travel Rewards →
Bank of America, same $0 annual fee; earns 1.5% on everything.
Capital One Quicksilver Cash Rewards →
Capital One, same $0 annual fee; earns 1.5% on everything.
Rules and gotchas
- The welcome bonus requires $1,500 in 3 months — roughly $500 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the TD Double Up have an annual fee?
- No. Our record lists a $0 annual fee for the TD Double Up.
- What does the TD Double Up earn?
- A flat 2% on purchases.
- Is the TD Double Up worth it in the first year?
- Using our illustration ($12,000 of yearly spending), the first year comes out around $440 before credits, including a welcome bonus valued at $200. Year two drops to about $240 before credits.
- What credit do I need for the TD Double Up?
- Our record lists "Good" credit as the typical target for the TD Double Up. TD Bank makes the final decision based on its own criteria.
Earning Rates
2×All Purchases2% unlimited cash back on every purchase (no categories)
Insurance
Rental InsuranceSecondary
Purchase Protection
Extended Warranty
Sources
Last Updated: Oct 2, 2026