Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
TD Bank TD Double Up is a no-annual-fee cash back card from TD Bank. It earns 2% on every purchase with no categories to track.
On our reference budget of $24,600 a year it returns about $492, an effective 2% back. The welcome bonus, $200 after $1,500 in 90 days, is the strongest reason to open it in a given year.
It is a fine only card. It loses to category cards for people who spend heavily on one thing, and even then it belongs in the wallet for everything else. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
Enjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget, and with Audi on demand you can experience up to 15% off (with a guaranteed minimum discount of 10%) on Audi rentals at all Audi on demand locations when you use your TD Bank Visa Signature card.
Get reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card.
If your card is lost or stolen, you can get an emergency replacement card sent immediately.
Extended Warranty Protection will add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card.
When you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000 for your checked or carry-on luggage if your luggage is lost due to theft or misdirection by the Common Carrier.
If an item you purchased using your new credit card is stolen or damaged due to fire, vandalism or accidentally discharged water or certain weather conditions within the first 90 days, Purchase Security can replace, repair or reimburse the eligible item.
Access 24/7 roadside service with this pay-per-use program.
A single phone call gets you the help that you need anywhere in the world.
Enjoy special guest status at Visa Signature Luxury Hotel properties all around the world.
Your TD Bank Visa Credit Card includes ID Navigator Powered by Norton LifeLock, providing tools so you can act quickly if your identity is threatened.
These come from Visa, not from TD Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| TD Double Up℠ This card · 2% on everything | None | $492 | +$492 | 293rd of 1,291 |
| TD CashTD Bank's most-held other card · 3% on dining | None | $570 | +$570 | 16th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
