TD Double Up℠
How we calculate effective rate →
The TD Double Up℠ from TD Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
What does the TD Double Up℠ earn in each category?
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how TD Double Up℠ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how TD Double Up℠ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2% back | 2% Top category |
| Grocery Supermarkets and grocery stores | 2% back | 2% |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 2% back | 2% |
| Other General everyday spend | 2% back | 2% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the TD Double Up℠?
The TD Double Up℠ fits spenders who put meaningful volume in dining and can earn 2% back. Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
TD Double Up℠ fits spenders who put meaningful volume in dining and can earn 2% back. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
What is the TD Double Up℠ welcome bonus?
In Madeen's catalog snapshot, the TD Double Up℠ welcome offer is Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $200
- Terms (catalog snapshot)
- Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
- Minimum spend
- $1,500
- Window
- 90Days
Does the TD Double Up℠ have an annual fee?
The TD Double Up℠ has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the TD Double Up℠?
The TD Double Up℠ includes Booking.com, Car rental benefits, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Lost luggage reimbursement
$35/yrWhen 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
Car rental benefits
$25/yrEnjoy 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
Cell phone protection
$25/yrGet reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
Emergency card replacement
$25/yrIf your card is lost or stolen, you can get an emergency replacement card sent immediately
Extended Warranty Protection
$25/yrwill add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card
Purchase Security
$25/yrIf 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
Your partner against identity theft
$25/yrYour TD Bank Visa Credit Card includes ID Navigator Powered by Norton LifeLock, providing tools so you can act quickly if your identity is threatened
Roadside Dispatch®
$10/yrAccess 24/7 roadside service with this pay-per-use program
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Common questions about the TD Double Up℠
Does the TD Double Up℠ have an annual fee?
The TD Double Up℠ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the TD Double Up℠?
Dining is the strongest Madeen category for the TD Double Up℠ at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the TD Double Up℠ charge foreign transaction fees?
The TD Double Up℠ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the TD Double Up℠ welcome bonus?
The TD Double Up℠ welcome offer in our snapshot: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the TD Double Up℠?
Madeen's catalog lists a typical credit range of Good to Excellent for the TD Double Up℠. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the TD Double Up℠?
Rewards on the TD Double Up℠ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the TD Double Up℠ compare to similar cards?
Compare the TD Double Up℠ against TD Cash (3% on Dining, $0 fee); TD First Class℠ Visa Signature (3% on Dining, $89 fee); Target Circle™️ Credit Card (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TD Double Up℠ This card | Dining | 2% | $0 |
TD Bank | Dining | 3% | $0 |
| Dining | 3% | $89 | |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 2% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Issuer links
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See how this card ranks in your wallet
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Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Madeen may earn compensation from apply links. Affiliate disclosure