TD Double Up – How to apply

By Raquel Oliveira • 03/20/2025

The Double Up credit card offers cash back on all purchases. 

The TD Double Up Visa is a smart choice for those looking to maximize cashback rewards with minimal effort. Its straightforward 2% cashback structure makes earning rewards simple, eliminating the need for tracking spending categories.

Unlike other cashback cards, the TD Double Up Visa ensures consistent earnings across all purchases. Whether shopping, dining, or paying bills, cardholders receive the same rate, making it a reliable financial tool for everyday use.

For new users, the welcome bonus and introductory 0% APR on balance transfers add extra value. These features make it particularly attractive for those looking to consolidate debt while enjoying the benefits of unlimited cashback.

Additionally, security and convenience enhance the card’s appeal. With fraud protection, contactless payments, and digital wallet integration, it provides a seamless and secure payment experience. Keep reading to explore its benefits, drawbacks, and how to apply.

How does the Double Up Visa work?

The TD Double Up Visa is a rewarding credit card designed for those who want to maximize cashback on everyday purchases. With its fixed 2% cashback rate, it stands out as a simple and effective way to earn rewards.

Unlike many competitors, this card offers unlimited cashback without spending caps or rotating categories. Cardholders receive 1% when making a purchase and an additional 1% when redeeming rewards into an eligible TD Bank account.

New customers can benefit from an introductory 0% APR on balance transfers, making it a useful tool for managing existing debt. Additionally, a welcome bonus adds extra value, giving users a financial boost when they start using the card.

However, it’s important to note that TD Double Up Visa is only available to residents of select states where TD Bank operates. Before applying, ensure you meet the geographic eligibility requirements to take advantage of its benefits.

Main benefits of Double Up Visa

The TD Double Up Visa stands out for its unlimited 2% cashback on all purchases. Unlike other rewards programs, this card eliminates rotating categories and spending caps, ensuring a simple and predictable way to earn rewards.

New cardholders can take advantage of a welcome bonus, providing an extra cashback boost upon account opening. Additionally, the card offers an introductory APR on balance transfers, making it a useful tool for those looking to manage or consolidate debt.

For added security and convenience, this card includes:

• Cell phone protection: Up to $500 per claim (twice per year) when paying your phone bill with the card.
• Fraud protection and card replacement in case of loss or theft.
• Contactless payments and digital wallet integration for seamless transactions.

Eligible cardholders also gain access to Visa Signature benefits, such as purchase protection, extended warranty coverage, and exclusive perks from the Visa Luxury Hotel Collection, offering premium travel experiences and added value.

Cons of Double Up Credit Card

Despite its many advantages, Double Up is not without its drawbacks. The main limitation is the geographical restriction, as the card is only available to residents of certain states. 

In addition, some users may find the standard APR rate after the introductory period to be high, especially if they are unable to pay off the full balance each month. 

Finally, although the card offers a good cash back return, there are other cards on the market that may offer superior rewards in specific categories, such as travel or restaurants. 

APR and Fees

The Double Up annual fee is $0. And the rewards rate is 2% on all purchases. In addition, the bonus offer of $150 cash back when spending $1,000 in the first 90 days adds an extra incentive for new customers.

After an introductory period with 0% APR on balance transfers in the first 15 billing cycles, the interest rate can vary between 19.74% and 29.74%, depending on the user’s credit rating. The cash advance rate is 29.99%, which can be a significant charge. 

Balance transfer fees are also relevant, costing US$5 or 3% of the amount transferred, whichever is greater. Finally, a foreign transaction fee of 3% on each transaction made in US dollars applies. 

How to apply for the Double Up Visa

To apply for the Double Up credit card, the first step is to check whether you live in one of the states where TD Bank operates. If you are within the coverage region, you can start the online application process via the TD Bank website. 

The process is relatively simple and quick, requiring you to provide personal information such as your name, address and income. Once your application has been submitted, the bank will carry out a credit analysis. 

Conclusion

The TD Double Up Visa is a strong contender for those seeking consistent cashback rewards and a simple earning structure. With 2% cashback on all purchases, it eliminates the complexity of rotating categories.

Beyond rewards, this card provides practical financial advantages, including a welcome bonus, an introductory 0% APR on balance transfers, and security features like cell phone protection and fraud prevention.

Despite its strengths, potential applicants should be aware of certain limitations. TD Double Up Visa is only available in select states, restricting access for some consumers. Additionally, while the standard APR is competitive.

For those who qualify, the TD Double Up Visa offers solid cashback potential with no annual fee, making it an attractive financial tool. However, before applying, it’s essential to weigh its pros and cons to ensure it aligns with your spending habits and financial goals.