Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 2x on hotels (catalog median is 1.5x)
- 2x on other travel (catalog median is 1.5x)
- No annual fee
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$480/yr
$480 rewards
#13 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$520/yr
$520 rewards
#19 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$560/yr
$560 rewards
#23 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
2% unlimited cash back on all purchases. No annual fee. Requires TD checking for 2% rate.
TD Bank Double Up Credit Card FAQ
What is the TD Bank Double Up Credit Card annual fee?
The TD Bank Double Up Credit Card has no annual fee.
What are the best spending categories for the TD Bank Double Up Credit Card?
2x on flights, 2x on hotels, 2x on other travel. Everything else earns 2x.
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