TD Double Up Credit Card
By Alex Compton · Last verified
TD finally made its 2% card a true flat 2%, no redemption hoops attached.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
Good
to excellent (700+)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $2 | $1,500 in 3 mo | Bonus increased: $1 → $2 · Spend: $500 → $1,500$200 after $1,500 in 90 days | Archive record · no attached snapshot |
| 2024-09 | $1 | $500 in 3 mo | Earliest recordLaunch-era offer under the redemption-based 2x structure | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 2xAll eligible purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Unlimited flat 2% cash back with no caps or categories
- ✦$200 bonus after $1,500 in 90 days, strong for a no-fee 2% card
- ✦0% intro APR on balance transfers for the first 15 billing cycles
- ✦No annual fee
Why it earns its spot
- +The old earn-1%-redeem-1%-into-TD-account design is gone; 2% is now unconditional
- +$200 bonus matches Citi Double Cash's current offer and beats Active Cash's current $100 offer
- +Useful balance transfer intro on top of the rewards
Where it costs you
- −Only available in TD's East Coast footprint states
- −3% foreign transaction fee
- −No transfer partners or points upside, cash back only
The Compound Verdict
The original Double Up made you redeem into a TD checking or savings account to hit 2%; the current card just pays 2% flat, which moves it from gimmick to genuine Citi Double Cash competitor. Add the $200 bonus and it arguably leads the no-fee 2% category for people who can get it. The catch is geography: TD only issues in its East Coast states.
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