TD Bank Double Up vs First Class
Both are TD Bank cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Double Up 2.0% 2% base rate
- First Class 1.0% 1x base rate
Dining
- First Class 3.0% 3x
- Double Up 2.0% 2% base rate
Travel
- First Class 3.0% 3x
- Double Up 2.0% 2% base rate
What the numbers are doing
Abroad the answer flips: Double Up charges a 3% foreign transaction fee, so once that comes off the rate First Class is the better card for everyday spend.
The table is earn rate only — annual fees are not netted out of it. These cards charge Double Up $0 and First Class $89 a year, so a thin lead in one category may not cover the difference.
Where they differ: Double Up takes everything else; First Class takes dining and travel.
| Category | Best card |
|---|---|
| Everything else | Double Up2.0% |
| Dining | First Class3.0% |
| Travel | First Class3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Double Up — 2.0%
- First Class — 1.0%
Dining
- First Class — 3.0%
- Double Up — 2.0%
Travel
- First Class — 3.0%
- Double Up — 2.0%
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