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TD Double Up: terms, score and downsides

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 score 59.9% across 78 cards. Issuer page ↗

Downsides first

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

Terms & fees

• IssuerTD Bank
• Typecash back
• Annual fee$0 td.com, 2026-10-12
• Regular purchase APR18.49%–28.49% variable td.com, 2026-10-12
• Rewards2% base td.com, 2026-10-12
• Sign-up bonus (≈$)$200 $200 after $1,500 in 90 days td.com, 2026-10-12
• Intro APR12 months 0% intro APR for 12 billing cycles on purchases; 15 cycles on balance transfers td.com, 2026-10-12
• Foreign transaction fee3% files.consumerfinance.gov, 2025-12-31
• Penalty APRnot found consumerfinance.gov, 2026-10-12
• Late feeup to $40 up to; Late fee amount not to surpass minimum payment amount files.consumerfinance.gov, 2025-12-31
• Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period25 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)18.99%–28.99% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months6,213
• Trend▲ 20% (last 12 mo 6,213 vs prior 12 mo 5,178)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)22.38
• Top issueIncorrect information on your report
• Insurance statusFDIC-insured: TD Bank, National Association (cert 18409, active; deposits $277.7B as of 06/30/2026)

Company-level (TD BANK US HOLDING COMPANY), all products, as of 2026-10-12. TD Bank complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 8.0/10Base 2% on everything, top category 2% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 2% base
• Sign-up bonus 2.7/10Bonus ≈ $200: $200 after $1,500 in 90 days (as of 2026-10-12). Score = value/$75, max 10.
• Intro 0% APR 5.7/100% intro APR for 12 billing cycles on purchases; 15 cycles on balance transfers (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.5/1018.49%–28.49% variable (as of 2026-10-12); midpoint 23.49%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 3.0/103% foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) n/a/10not found — unknown, scored 5.0/10 (lower of neutral 5 and comparison median)

0.143×10.0 + 0.143×8.0 + 0.143×2.7 + 0.143×5.7 + 0.143×7.5 + 0.143×3.0 + 0.143×5.0* = 5.99 → 59.9% (* unknown, imputed)

Is TD Double Up worth it? (break-even math) →Value for my spending →

Compare with

TD Double Up vs Chase Freedom Unlimited · TD Double Up vs Chase Freedom Flex · TD Double Up vs Citi Double Cash · TD Double Up vs Wells Fargo Active Cash · TD Double Up vs Capital One Quicksilver · TD Double Up vs Capital One Savor

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

What is the TD Double Up annual fee?

$0

What is the TD Double Up APR?

18.49%–28.49% variable

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.