The Double Up is a flat 2% cash back card with no annual fee, which is about the simplest useful shape an everyday card can take: no categories to track and no quarterly activation. A $200 bonus after $1,500 in the first three months is easy to clear, and the intro APR is unusually generous for a flat-rate card at 0% for 12 months on purchases and 15 months on balance transfers, before the regular 18.49% to 28.49% rate takes over. Two details keep it from being an automatic pick. Rewards accrue as points, 2 per dollar at a cent each, and you need 2,500 points, meaning $1,250 of spend, before you can cash out to a statement credit or a deposit into a TD checking or savings account. It also charges foreign transaction fees, so leave it home when you travel abroad.
Earn rates & credits
| Category | Rate |
|---|---|
Everything Else Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account | 2% |
Card details
Regular APR | 18.49%–28.49% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | Yes |