TD Bank
TD Double Up Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | 0% introductory APR for first 15 billing cycles, for balance transfers made within the first 90 days of account opening. |
| Regular APR | Annual Percentage Rate (APR) for Purchases: 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. APR for Balance Transfers: After that, 18.49%, 23.49% or 28.49% variable APR based on your creditworthiness. APR for Cash Advances: 28.74% variable APR. |
| Other Fees | Balance Transfer Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. Minimum Interest Charge: $1 Cash Advance Fee: $10 or 5% of advance whichever amount is greater Foreign Transaction Fee: 3% of each transaction in U.S. dollars Late Payment: Up to $40 Return Payment: Up to $40 |
| Network | Visa |
About this card
The TD Double Up Credit Card is a decent option for individuals seeking a straightforward cash-back card, but it has significant limitations that prevent a higher rating. Its strengths include a solid 2% cash back on all purchases, a $200 sign-up bonus, and no annual fee. However, the high regular APR (up to 28.49%), foreign transaction fees, and high balance transfer fees are considerable drawbacks. The card's limited availability to residents of specific East Coast states and TD Bank's mediocre customer service reputation further detract from its appeal. While the 2% cash back is competitive, it doesn't fully compensate for the card's geographic restrictions, high potential APR, and other fees. The card is best suited for existing TD Bank customers who value simplicity and are comfortable with the bank's service. Overall, it's a fair card with some notable limitations, earning a 2.9 out of 5.
Pros & Cons
What's great
- Generous sign-up bonus
- Cashback on purchases
- Intro APR period
- No annual fee
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Bonus Cash Back: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening
Rewards
- Earn unlimited 2% Cash Back on all eligible purchases
- No rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing
Other features
- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Digital Wallet Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases
- Visa Zero Liability Enjoy Visa security on purchases, plus protection against unauthorized charges
- Contactless Payments Learn more about the convenience and security of contactless payments
Additional Notes
If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.