America’s Most Convenient Bank

The company operates in the United States through its subsidiary TD Bank, after a merger of TD Banknorth and Commerce Bank. Currently, TD Bank serves more than 6.5 million customers, with over 1,200 branches in sixteen states and the District of Columbia in the United States.


TD Double Up Credit Card is one of the most popular cards from TD Bank, that comes with many benefits, such as:

  • Cashback: You can earn 2% cash back without any limit on eligible purchases. There are no rotating categories for spending.
  • Introductory offer: During the introductory period, a bonus cashback of $150 in the form of a statement credit can be earned on spending of $1,000. The spending limit must be reached within the first 90 days after account opening.
  • Introductory APR: For the first 15 billing cycles there will be no introductory APR for balance transfers. After that, based on the creditworthiness, the APR will be 20.24%, 25.24%, or 30.24%.
  • No annual fee: This card has no annual fee.
  • Visa benefits: As a TD Double Up Credit Card holder, you will receive Visa benefits. IIn addition to the rewards from your TD Bank credit card, as a Signature cardholder you’ll get all the Visa benefits of a Platinum card, plus a host of security and travel benefits.
  • Unauthorized payments: If you are a Visa Platinum cardholder, You will get Visa security against unauthorized charges on purchases plus protection.
  • Emergency card replacement: If your card is lost or stolen, you can request a new card and the replaced card will be sent to you immediately.
  • Cell phone protection: You will be compensated as a Visa cardholder if your cell phone is stolen or damaged. You must have to pay for your phone bill with your TD Bank Visa Credit Card to avail of this coverage.
  • Identity theft protection: TD Bank Visa Credit Card has ID Navigator by Norton LifeLock. This tool allows you to act quickly if your identity is threatened.
  • Purchase protection: Purchase Security can replace, repair, or compensate for the eligible purchase item if your new credit card is stolen, damaged by fire, or discharged water accidentally or under certain weather conditions and any purchase made within the first 90 days.
  • Warranty protection: You will get one additional year of extended warranty on select items. The item must be purchased using your TD Bank Visa Credit Card.
  • Travel benefits: This card offers travel benefits such as 24/7 travel and emergency assistance, roadside dispatch, Lost luggage reimbursement, special guest status at Visa signature luxury hotel, premium benefits at golf courses, and car rental benefits.


You must meet a minimum income, residency, age, credit quality, and others like the other reward card to be eligible for an Account. The TD Double Up Credit Card is available to specific states consumers of the U.S.

This card is only available to you if you live in one of the following states: Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D.C.

Who is the TD Double Up Credit Card for?

TD Double Up Credit Card will be the best choice for those who prefer to have a flat rate. For people who want a credit card with no annual fee, good rewards, and no rotating spending category, this will be the best choice for them.


But as this card is available only to some specific states, this card will be a good choice for the people living in those states.


Step by step to apply

To apply for the TD Double Up Credit Card, you can choose your convenient option from their website.

You can apply for the card online by filling up the application form, you can book an appointment at a local TD bank to open an account, or you can call for assistance at 1-888-561-8861. To book a bank appointment, you can find your nearest branch on the website.

TD Bank has a mobile app available in the Play Store and Apple Store or you can download it from their website.

Positives and negatives of the card

TD Double Up Credit Card can be listed among the best cash-back cards for its reward simplicity. There are many positive sides to this card and some sides need to be improved.

Positive Sides:

  • There is no annual fee;
  • Straightforward rewards structure;
  • No limit for cashback;
  • No introductory APR on balance transfers;
  • Unauthorized payment and warranty protection;
  • Immediate card replacement.

Negative Sides:

  • The minimum amount for a reward for redemption is high;
  • The card is available only in certain state;
  • The welcome bonus is limited;
  • Has foreign transaction fee.

How to unlock the TD Double Up Credit Card?

To activate the card, you can choose online, by call, or through the app.

To activate the online or mobile app, visit the bank website or open the app and log in to your account.

If you choose a phone call for card activation, call 1 (888) 561-8861 or the number written on the front of your card.

Fees and tariffs

This card has no annual fee but has a 3% foreign transaction fee on each transaction. APR for balance transfers is 0% on the introductory period, which is the first 15 billing cycles. After the introductory period, the APR will be 20.24%, 25.24%, or 30.24% based on the creditworthiness. APR for purchases is also the same amount based on creditworthiness. APR for cash advances is 30.49%.

The balance transfer fee is 3% of the transferred amount or $5 and the cash advance fee is 5% or $10, whichever is greater. The minimum interest charge is $1 and the late payment and return payment fee is up to $40. To be clearer about the changes, you can call at 1-888-561-8861.


Customer service

Customer service is available 24/7 at 1-888-751-9000. Customer service is available in English and Spanish and translators are there to assist customers who speak in other languages.

You can contact the credit card customer support hotline: 1-888-561-8861. You can also connect over Facebook, Instagram, Twitter (X), and LinkedIn for any updates.

Did you like the tip? Discover other credit cards for US residents on our website.