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TD First Class Visa Signature Credit Card Review

The TD First Class℠ Visa Signature® Credit Card is a travel rewards card that earns 3 miles per dollar on travel and dining purchases and 1 mile per dollar on all other purchases. When you spend $3,000 within the first six billing cycles, you’ll earn 25,000 bonus miles, equal to a $250 statement credit toward travel or dining purchases. Though there’s an $89 annual fee, it’s waived for the first year, and you can get 12-month 0% introductory annual percentage rate on balance transfers.

  • Issuer NameTD Bank
  • Credit NeededGood/Excellent
  • Annual Fee$89
  • Regular APR17.74%
  • Balance Transfer Fee$5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance Fee$10 or 3% of advance, whichever amount is greater

  • Want to earn 3 miles per dollar on travel and dining.
  • Can take advantage of the 12-month 0% introductory annual percentage rate on balance transfers.
  • Will get enough value from the card to offset the annual fee after the first year.

You can save on interest using the TD First Class℠ Visa Signature® Credit Card’s 12-month 0% introductory annual percentage rate on balance transfers. Just be sure to pay off your balance in full before interest applies.

When you use the TD First Class℠ Visa Signature® Credit Card, you’ll earn 3 miles per dollar on travel and dining, and you can earn a 25,000 bonus miles after you spend $3,000 within the first six billing cycles.

Editor’s Take

If you travel or dine out frequently, you can rack up miles with the TD First Class℠ Visa Signature® Credit Card, which earns 3 miles per dollar on travel and dining – including flights, hotels, car rentals and cruises. However, this card may not be as valuable to you as a flexible travel rewards card, such as the Chase Sapphire Preferred® Card that offers a higher rewards rate for certain travel purchases.

Jessica MerrittContributor

New cardholders earn 25,000 bonus miles after spending $3,000 within the first six billing cycles.

You can jump-start your earnings by spending $3,000 within the first six billing cycles to earn the 25,000 bonus miles with this card. For ongoing rewards, you’ll earn 3 miles per dollar on travel and dining purchases and 1 mile per dollar on all other purchases. Miles do not expire and can be redeemed for travel, cash back, gift cards or merchandise.

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Sarah Goldberg
Sarah Goldberg

Sarah is a seasoned financial market expert with a decade of experience. She's known for her analytical skills, attention to detail, and ability to communicate complex financial concepts. She holds a Bachelor's degree in Finance, is a licensed financial advisor, and enjoys reading and traveling in her free time.

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