6 TD Double Up Credit Card Benefits You Didn’t Know About
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Written by
Joseph Hostetler
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Edited by
Emily Gadd
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Reviewed by
Jasmin Baron
The TD Double Up℠ Credit Card is a competitive option among cash-back credit cards for a few reasons:
- It offers a respectable welcome bonus: Earn $200 Cash Back in the form of a statement credit when you spend $1,500 within the first 90 days after account opening.
- You’ll get a 0% introductory APR on balance transfers for the first 15 billing cycles after account opening, followed by a 19.24%, 24.24% or 29.24% variable APR based on your creditworthiness.
- It earns 2% cash back on all purchases.
- It has no annual fee.
But the TD Double Up Credit Card offers other great benefits that aren’t talked about enough. Here’s everything you need to know about one of the best 2% cash back credit cards on the market.
1. Cell Phone Protection
When you use your TD Double Up Credit Card to pay your monthly cell phone bill, your device will be automatically covered from theft or damage up to $500 per claim (maximum $1,000 per 12-month period). Each claim requires a $50 deductible.
This coverage is supplemental. If you have personal insurance that covers your cell phone, this perk will reimburse your deductible.
2. Purchase Security
Buy a new item with your TD Double Up Credit Card and you’ll receive coverage from fire, vandalism and accidentally discharged water or certain weather conditions, and even theft in specific situations for the first 90 days following the purchase date. Coverage is up to $500 per claim (max $50,000 per account).
Not all items are eligible for coverage. Things like animals, plants, vehicles, used or pre-owned items, computer software or gift cards won’t qualify. Consult the TD Double Up Credit Card’s guide to benefits for a complete list.
3. Elite-Like Travel Perks
Because the TD Double Up Credit Card is a Visa Signature card, it comes with a few benefits that can improve your travel experience, with perks that are often only seen on elite travel credit cards:
- Access to Visa Signature Luxury Hotel properties: When you book a stay at one of the 900+ eligible hotels and resorts worldwide, you’ll receive goodies like an automatic room upgrade (when available), free breakfast for two, a $25 food or beverage credit, late checkout (when available) and more.
- Car rental benefits: Use your card for your reservation with Avis or Budget, and you’ll receive up to 25% off base rates. You’ll even get a free one car class upgrade (based on availability), 10% off SiriusXM Satellite Radio and a free additional driver.
The ability to receive elite benefits without actually working to attain status is a big deal. I use credit card hotel portals like the Visa Signature Luxury Hotel collection any time I can, as the free breakfast and room upgrades can translate into several hundred dollars in value.
4. Travel Insurance and Assistance
The TD Double Up Credit Card confers automatic insurance and other support when you use the card to book your travel.
- Travel accident insurance: Receive up to $250,000 if a covered traveler dies or loses hands, feet, sight, speech, or hearing due to an accident during your trip.
- Lost luggage reimbursement: When a common carrier (like a plane, cruise ship, etc.) loses your checked or carry-on luggage, you can be reimbursed up to $3,000 to make up the difference between the value claimed on your bag and the amount the common carrier is willing to give you.
- Roadside dispatch: While in the US, you’ll get access to a service similar to AAA. However, you’ll pay for whatever service you use. You can request a tire change, jumpstart, fuel delivery (up to five gallons), winching or towing (five miles included). The only stipulation is that your vehicle must weigh 10,000 lbs or less if you request tow service.
- Travel and emergency assistance services: The TD Double Up Credit Card offers a 24/7 hotline that provides you with knowledgeable agents to help you with your trip. Whether you need emergency transportation, translation services, or medical and legal referrals, you can find what you need through this hotline. Just note that this number simply liaises for you; you’ll have to pay for any service you decide to use.
Cross your fingers that you never need these little-known TD Double Up Credit Card benefits during your travels.
5. Free Same-Day Delivery From 140+ Merchants
Shipt is a company that partners with local and national stores (think Kroger, PetSmart, Walgreens and Lowe’s) to give you same-day delivery. Shipt costs $10.99 per month or $99 per year.
The TD Double Up Credit Card comes with three free months of Shipt membership, followed by nine months at 50% off. That’s a value of more than $82.
6. Score Tickets to Secret Events
Sofar Sounds is a platform that hosts intimate shows — from music to spoken word to dance. Your card gives you presale access to these gigs, and it even gives you one free admission when buying one or more tickets.
Making things even more mysterious, you’ll only know the exact location of the show 24 hours before it begins. Choose your city and wait until the day before to find out where you’re going!
Frequently Asked Questions About TD Double Up Credit Card Benefits
Is there a limit to the cash back I can earn with TD Double Up Credit Card?
There is no limit to the amount of cash back you can earn with the TD Double Up Credit Card. You’ll receive a flat 2% back on all purchases.
Does the TD Double Up Credit Card have an annual fee?
No, the TD Double Up Credit Card does not have an annual fee.
Do TD Double Up rewards expire?
TD Double Up Credit Card rewards don’t expire as long as you keep your card in good standing. However, even if you do close your account, you’ll have a 100-day grace period to redeem your cash back before you lose it.
Are there foreign transaction fees with the TD Double Up Credit Card?
The TD Double Up Credit Card charges a 3% foreign transaction fee when making a purchase that processes outside the US. Because of this, it’s not a great card to bring when traveling abroad.
