TD Double Up

The Double Up is TD's flat rate cash back card: an unlimited 2% on every eligible purchase, no annual fee, no categories to track and no caps. TD originally paid this as 1% at purchase plus a second 1% only when you moved rewards into a TD deposit account, so a lot of published reviews still describe it that way, but the card's current terms drop that condition and pay the full 2% up front. You can take rewards as a statement credit or as a deposit to TD checking or savings once you hit 2,500 points, which is $25. The intro APR terms are the other reason to look at it: 0% on purchases for 12 billing cycles and 0% on balance transfers for 15, with a 3% transfer fee during the first 90 days. Two things hold it back. It charges a 3% foreign transaction fee, so it is a poor travel companion, and TD only issues it along its retail footprint, roughly Maine down to Florida plus the Carolinas and Metro D.C., so most of the country cannot apply. If you already bank with TD and want one card that handles everything domestically, it is a reasonable pick, though a nationally available 2% card gets you the same rate without the geographic catch.