TD Double Up Credit Card
$200 statement credit after you spend $1,500 in 3 months. No annual fee.
- Welcome offer
- Issuer's pagetd.com
“1 For the TD Double Up credit cards, maximum bonus accumulation for this promotional offer is 20,000 Bonus Points, equal to $200 in the form of a statement credit.”
- Annual fee
- Issuer's pagetd.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pagetd.com
“After that, 18.49% - 28.49% variable APR based on your credit worthiness.”
- Foreign transaction fee
- Issuer's pagetd.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $200 | $0 |
| Typical spender | $200 | $0 |
| Heavy spender | $200 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Lower top APR than about 40% of the 128 cards on our Sign-up bonuses list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
200 credit
After you spend $1,500 on purchases in your first 3 months.
Earn a maximum of 20,000 Bonus Points, equal to a $200 statement credit, within 6 to 8 weeks after meeting the spending requirement. The account must be open and in good standing. Offer applies only to new TD Double Up Credit Card accounts during the promotional period and is non-transferable. The offer is unavailable if the account is opened in response to a different offer or if the applicant previously received a One-Time Bonus Offer on this account or any other TD Bank account. Eligible purchases exclude cash equivalents, money orders, gift cards, and gift card reloads.
Rates and fees
| Annual fee | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pagetd.com “After that, 18.49% - 28.49% variable APR based on your credit worthiness.” |
| Intro APR | Issuer's pagetd.com “0% introductory APR for first 12 billing cycles after account opening.” |
| Balance transfer APR | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagetd.com “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.” |
| Cash advance APR | Issuer's pagetd.com “28.74% variable APR” |
| Cash advance fee | Issuer's pagetd.com “$10 or 5% of advance whichever amount is greater” |
| Late payment | Issuer's pagetd.com “Up to $40” |
| Foreign transactions | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Visa Zero Liability protection against unauthorized charges.
- Emergency card replacement.
- Roadside assistance.
- Digital wallet support.
- Contactless payments.
Questions
- What is the annual fee?
- None td.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each transaction in U.S. dollars. td.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–28.49% APR td.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 billing cycles after account opening. td.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 statement credit after $1,500 in purchases in 3 months. td.com, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).