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TD Double Up Credit Card Review

Last Updated on July 27, 2026

Offer Rating

4.5/ 5

By Our Content Team

The TD Double Up Credit Card ensures cardholders are earning cash back on all eligible purchases without having to worry about rotating categories. Plus, this card offers a nice intro APR period as well as a sign-up bonus.

Editor

4.5

CompareCredit Score

Current Offer
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening

on TD Bank's secure site

Welcome OfferEarn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
Rewards RateEarn 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.
Intro APR0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening.
Annual FeeNo annual fee
Credit Score NeededGood, Excellent
Card Brand

Product Details

Select to apply online
NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
Earn unlimited 2% Cash Back on all eligible purchases
No reward categories, no caps, no worries.

Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
No annual fee
Contactless Payments/Digital Wallet
Instant credit card replacement
Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
*Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

Select to apply online
NEW AND IMPROVED: 0% intro APR on balance transfers for 15 billing cycles and on purchases for 12 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your credit worthiness. Balance transfers must be completed within the first 90 days of account opening.
Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
Earn unlimited 2% Cash Back on all eligible purchases
No reward categories, no caps, no worries.

Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
No annual fee
Contactless Payments/Digital Wallet
Instant credit card replacement
Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
*Read terms and conditions for important information about rates, fees, eligible purchases, balance transfers and rewards program rules.

Top Rated For

Our Expert Review

Editorial Disclosure

Why We Like It

Editorial Disclosure

Offer Rating

4.5/ 5

By Our Content Team

Key Benefit

Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening

Looking for a no-frills cash back card with a 0% intro APR period on balance transfers and purchases? The TD Double Up Credit Card could be just what you’re seeking. This card lets cardholders hit the ground running with a low-pressure sign-up bonus: earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. On top of that, never worry about keeping track of categories or caps: 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.

Whether you're consolidating debt or simply looking to earn flat-rate rewards, this card delivers steady value with minimal effort. While many cash back cards complicate rewards with rotating categories, enrollment hoops, or quarterly limits, the TD Double Up Credit Card keeps things simple and rewarding. The ability to earn unlimited 2% Cash Back on all eligible purchases makes it especially appealing for those with diverse spending habits who don’t want to strategize every purchase.

This card also offers 0% introductory APR on purchases for 12 billing cycles after account opening and on balance transfers for 15 billing cycles after account opening. After that, 18.49% - 28.49% variable APR based on your creditworthiness. Balance transfers must be completed within the first 90 days of account opening. With no annual fee, this card from TD Bank is an easy choice for anyone looking to combine an intro APR period with unlimited cash back on eligible purchases.

Pros & Cons

Pros

Cardholders can enjoy unlimited Cash Back on all eligible purchases.
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
There is an intro APR period on purchases and balance transfers.

Cons

There is a balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.