TD Double Up Credit Card
TD finally made its 2% card a true flat 2%, no redemption hoops attached.
Welcome Bonus
$2
≈$2 value
Spend Requirement
$1,500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
Good
to excellent (700+)
Current offer note: $200 after $1,500 in 90 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xAll eligible purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦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 beats what Citi Double Cash and Active Cash typically 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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