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finder.com’s rating: 3.5 / 5
★★★★★
25,000
Miles as welcome offer
Up to 3x
Miles
$0
Annual fee
for the first year ($89 thereafter)
13.99%
Purchase APR (variable)
Annual fee | $0 intro annual fee for the first year ($89 thereafter) |
---|---|
Welcome offer | 25,000 miles after spending $3,000 in the first 6 billing cycles |
Rewards | 3x miles on travel and dining and 1x miles on all other purchases |
Purchase APR | 13.99% variable |
Balance transfer APR | 0% intro for the first 12 billing cycles (then 13.99% variable) |
Minimum Credit Score | 740 |
Issuer | Visa |
Review by
Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.
The TD First Class℠Visa Signature® Credit Card is a seemingly modest rewards card, though it has plenty to love. It offers a strong earning rate of 3x miles on travel and dining purchases, and 1x miles on everything else. You’ll also enjoy a 25,000 mile signup bonus, an introductory $0 annual fee reverting to $89 and a low variable APR of 13.99%.
The TD First Class℠Visa Signature® Credit Card‘s low APR is notable – it’s rather generous for a rewards card. This makes this card a favorable choice if you need to occasionally carry a balance.
Your reward redemption options are a bit limited, however. Other cards, such as the Bank of America® Travel Rewards Credit Card, offer stronger flexibility with a similar — or no — annual fee. However, the TD First Class℠Visa Signature® Credit Card‘s low annual fee in combination with solid reward earnings elevate this card to one of our Best of 2020 picks for credit cards.
Applying for the TD First Class℠Visa Signature® Credit Card is straightforward:
You’ll need to provide several pieces of information, including:
When applying for the TD First Class℠Visa Signature® Credit Card, you’ll want an excellent credit score of 740 or higher for consideration.
There are numerous travel credit cards to choose from, each with their own strengths and weaknesses.
The TD First Class℠Visa Signature® Credit Card is a great choice for those who want to earn rewards on dining and travel purchases, but want a low-risk APR to go with it. With mile rates topping out around 1 cent apiece, however, there are more lucrative flexible reward credit cards out there for those pushing for value on their card.
Looking for greater value? Compare rewards credit cards to find one that offers the most value for your purchasing habits.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.