Is the TD Double Up worth a spot in your wallet?
The honest math on the TD Double Up: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
TD Bank · No annual fee · cash back
Earning rates
- 2x Everything (2 points per $1 on eligible purchases)
Protections and perks (5)
- Cellular Telephone Protection — Up to $500 per claim for damage or theft when you pay your monthly cell phone bill with the card ($50 deductible).
- Purchase Security — New purchases covered against theft, fire, vandalism, or accidental water/weather damage for 90 days from the date of purchase.
- Extended Warranty — Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
- Lost Luggage Reimbursement — Reimburses checked or carry-on baggage lost or stolen by the common carrier, in excess of the carrier's own payout, on trips where the ticket was charged to the card.
- Travel Accident Insurance — Accidental death or dismemberment coverage while riding as a passenger on a common carrier whose fare was charged to the card.
Card data verified against TD Bank on 2026-08-23.
All cards · Compare cards · Find your card