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TD First Class℠ Visa Signature® Credit Card review

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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.

25,000

Miles as welcome offer

Up to 3x

Miles

$0

Annual fee

for the first year ($89 thereafter)

14.99%

Purchase APR (variable)

Details

Product NameTD First Class℠ Visa Signature® Credit Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($89 thereafter)
Purchase APR14.99% variable
Balance transfer APR0% intro for the first 12 months (then 14.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.99% 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

Expert review

Steven Dashiell

Review by


Steven Dashiell is a credit cards staff writer at finder.com. He's worked on over 150 Finder articles to help readers embrace and maximize credit cards. Steven has nearly a decade of research and reporting experience, and has also been a reporter and editor for several healthcare newsletters.

Expert review

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

American Express® Green Card

  • Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
  • Plus, earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new card in your first 3 months.
  • Earn 3x Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
  • Earn 3x Membership Rewards® points at restaurants worldwide.
  • Receive up to $100 per year in statement credits when you use the American Express® Green Card to pay for your CLEAR® membership.
  • Receive up to $100 in statement credits per year on your LoungeBuddy purchases. Use the American Express® Green Card to purchase lounge access through LoungeBuddy to any of the lounges in the LoungeBuddy network — no memberships, elite statuses, or first class tickets required.
  • No foreign transaction fees.
  • $150 annual fee.
  • Terms apply.
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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 14.99%.
  • 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
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. 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
75,000 points after spending $1,000 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 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. 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.

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

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