TD First Class℠ Visa Signature® Credit Card review | Finder.com

TD First Class℠ Visa Signature® Credit Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

TD First Class℠ Visa Signature® Credit Card

Strong rewards earnings but limited redemption options.

  • Get this card if: You frequently dine out and enjoy occasional travel
  • Pick something else if: You want a card with stronger redemption values
  • Apply if: You have an excellent credit score of 740 or higher.
Product NameTD First Class℠ Visa Signature® Credit Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($89 thereafter)
Purchase APR15.49% variable
Balance transfer APR0% intro for the first 12 months (then 15.49% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate27.49% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 25 days
Late payment feeUp to $37
Returned payment feeUp to $37
Minimum Age18 years of age
Welcome Offer25,000 miles after spending $3,000 in the first 6 billing cycles
Rewards3x miles on travel and dining and 1x miles on all other purchases
Base Rewards1x miles

The basics

The TD First Class℠ Visa Signature® Credit Card has a generous earning rate on travel and dining purchases, with a respectably low purchase APR to boot.

Your 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.

Another travel rewards card

Hilton Honors American Express Card

  • Earn 90,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3x Hilton Honors Bonus Points for all other eligible purchases on your card.
  • No foreign transaction fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your card. Plus, spend $20,000 on eligible purchases on your card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees
Promoted

Card benefits

  • Strong rewards rate.
    You’ll earn 3x First Class miles on flights, hotels, car rentals, cruises and dining, and 1x miles on all other purchases.
  • Signup bonus.
    Earn 25,000 bonus miles when you spend $3,000 on purchases within your first 6 billing cycles.
  • Low APR.
    Your purchase APR starts at a variable 15.49%.
  • Intro annual fee.
    The annual fee is waived for your first year. After that, you’ll pay $89 annually.
  • No foreign transaction fees.
  • You won’t have to pay a fee when you make purchases overseas.

What to watch out for

  • Average redemption value.
    According to the card’s terms and conditions at the time of writing, you can expect about 1 cent per mile when redeeming points for travel, but you’ll get less returns on items such as gift cards or merchandise. You also don’t have opportunities to transfer your points to other loyalty programs for more value.
  • Balance transfer fees.
    You’ll pay $5 or 3% of the balance transfer, whichever is greater.

How to apply for the TD First Class℠ Visa Signature® Credit Card

Applying for the TD First Class℠ Visa Signature® Credit Card is straightforward:

  1. Go to the TD website and select the TD First Class℠ Visa Signature® Credit Card from the credit cards section of the site.
  2. Scroll down and select Apply now to start the application process.
  3. Fill out your personal information and click next to continue through the application.

You’ll need to provide several pieces of information, including:

  • Name
  • Legal address
  • Date of birth
  • Social Security number or Tax ID number

What credit score do I need?

When applying for the TD First Class℠ Visa Signature® Credit Card, you’ll want an excellent credit score of 740 or higher for consideration.

Compare travel credit cards

There are numerous travel credit cards to choose from, each with their own strengths and weaknesses.

Name Product Welcome offer Rewards Annual fee Filter values
90,000 points after spending $2,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 90,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
50,000 points after spending $2,000 in the first 3 months
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
$0
50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.

Compare up to 4 providers

Bottom line

The TD First Class℠ Visa Signature® Credit Card is a fine choice with solid rewards for those who like to dine out often. With mile rates topping out around 1 cent apiece, however, there are much more lucrative flexible reward credit cards out there for those pushing for value on their card.

Compare rewards credit cards to find one that offers the most value for your purchasing habits.

Frequently asked questions

Images: td.com

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site