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TD Double Up vs Citi Double Cash

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: Citi Double Cash leads by 10.4 pts. Scores: TD Double Up 59.9%, Citi Double Cash 70.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): TD Double Up nets $461/yr, Citi Double Cash nets $461/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeUp: 10.0 · Cash: 10.0
• Rewards rateUp: 8.0 · Cash: 9.5
• Sign-up bonusUp: 2.7 · Cash: 2.7
• Intro 0% APRUp: 5.7 · Cash: 8.6
• Regular APRUp: 7.5 · Cash: 7.4
• Foreign transaction feeUp: 3.0 · Cash: 3.0
• Regulatory record (CFPB)Up: n/a · Cash: 8.0

Downsides

• TD Double Up59.9%
  TD Bank · cash back
  Annual fee $0APR 18.49%–28.49% variableRewards 2% baseCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance · Late fee up to $40

• Citi Double Cash70.3%
  Citi · cash back
  Annual fee $0APR 18.49%–28.74% variableRewards 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractionsCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, TD Double Up or Citi Double Cash?

On VaultRubric's rubric: Citi Double Cash scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.