TD Bank Double Up Review 2026
Double Up is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$800
Rewards + bonus - fee - interest drag
Ongoing year
+$600
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
$200
Rewards
2% cash back
Annual fee
$0
APR
18.74% to 28.74%
Pros & cons
- No annual fee
- Strong rewards rate (2%)
- Sign-up bonus worth $200
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Offer history
How today's bonus compares
Current public welcome offer
$200
Observed Nov 14, 2026
12-month best
$200
2 tracked observations
Signal
At or near tracked best
Last history update Nov 14, 2026
Current offer is near the observed high. Tracked since Nov 13, 2026, range $200–$200 across 2 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (Nov 13, 2026). Tracked since Nov 13, 2026 across 2 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
18.74%-28.74% variable
Spend requirement: $1,500 in purchases in the first 90 days
TD Bank terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Questions
Common questions
What is the annual fee for the Double Up?
The Double Up has no annual fee, according to TD Bank's page checked Nov 14, 2026.
What is the APR on the Double Up?
The purchase APR is 18.74% to 28.74%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://www.td.com/us/en/personal-banking/credit-cards/double-up · checked Nov 14, 2026
We could not verify the foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Double Up worth it?
Double Up is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term