Citi Double Cash® vs TD Double Up Credit Card
Side-by-side comparison
| Citi Double Cash® | TD Double Up Credit Card | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash back | $200 cash back |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 2x |
| Travel | 2x | 2x |
| Streaming | 2x | 2x |
| Everything else | 2x | 2x |
| Est. yearly rewards* | $583 | $583 |
| Points type | Pools with Citi → transferable | Cash back only |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Citi Double Cash® | TD Double Up Credit Card |
|---|---|---|
| Welcome bonus | $200 cash back | $200 cash back |
| To earn it | $1,500 in 6 months | $1,500 in 90 days |
| Est. first-year value* | $783 | $783 |
| Est. ongoing value / yr* | $583 | $583 |
The Citi Double Cash® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Citi Double Cash® | TD Double Up Credit Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable (paired with a premium card) | Cash back only |
On perks and redemptions, the Citi Double Cash® earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Citi Double Cash® earns transferable points. Its Citi ThankYou move to American Airlines, Turkish, Avianca, and Air France-KLM, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The TD Double Up Credit Card pays flat cash back, worth about a cent, so its ceiling is nearer a penny per point no matter how you redeem.
The verdict
On a typical year of household spending, the Citi Double Cash® earns about $583 a year in rewards and the TD Double Up Credit Card about $583, valuing every point at a flat 1 cent. The Citi Double Cash® has no annual fee, so its rewards are all profit. The TD Double Up Credit Card has no annual fee, so its rewards are all profit. These two are about as close as cards get: both pay a flat 2x on everything, neither charges an annual fee, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the Citi Double Cash® earns points you can move to travel partners for outsized value, while the TD Double Up Credit Card pays plain cash back. Favor the Citi Double Cash® if you will use travel transfers, the TD Double Up Credit Card if you want simplicity. One tiebreaker: the TD Double Up Credit Card adds rotating 5 percent bonus categories, which the other does not. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.