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
$2
≈$2 value
Spend Requirement
$1,500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
Good
to excellent (700+)
Current offer note: Public offer confirmed: $200 statement credit after $1,500 in 90 days; intro APR now 0% on purchases for 12 billing cycles and balance transfers for 15
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 3 tracked offers going back to 2024, nothing has beaten $2.
Current offer
$2
All-time high
$2
Typical offer
$2
In place since
June 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $2 | $1,500 in 3 mo | Terms reconfirmedPublic offer confirmed: $200 statement credit after $1,500 in 90 days; intro APR now 0% on purchases for 12 billing cycles and balance transfers for 15 | TD Double Up Credit Card product page → |
| 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 ledger- changed
$200 after $1,500 in 90 days, flat 2%, no annual fee and 3% foreign fee confirmed; the intro APR now also covers purchases for 12 billing cycles (balance transfers 15 cycles), and cell phone protection was added.
Fields: benefits, pros, ourTake
TD Double Up Credit Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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 purchases for 12 billing cycles and on balance transfers for 15 billing cycles (transfers within 90 days; 3% intro transfer fee, $5 minimum)
- ✦Cell phone protection when you pay your mobile bill with the card
- ✦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 is strong for a no-fee 2% card
- +Intro APR now covers purchases as well as balance transfers
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 the newly added 12 billing cycles of 0% on purchases, 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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