TD First Class Visa Signature Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.99
Balance Transfer
14.99 (0% for the first 12 months)
Rewards
1 - 3 Miles
Signup Bonus
10000 miles (after spending $3,000)


4.8/10
Informr score
The TD First Class Visa Signature Credit Card currently has an Informr score of 4.8 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?


TD First Class Visa Signature Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

Don’t be fooled by this card’s triple rewards rate or pricey annual fee; despite being billed as a premium rewards card, the TD First Class Visa Signature card delivers surprisingly little value for a card with an annual fee.

- Kelly Dilworth, CreditCards.com
SmartAsset

The TD First Class Visa Signature Credit Card is a solid choice for travelers looking to gain rewards miles for their consistent traveling and dining out. 3x points on eligible travel-related and dining purchases, paired with 1x points on all other buys makes for a straightforward rewards system car...

- SmartAsset

Details


Interest Rates
Regular APR Interest Rate 14.99%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.99% (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.99%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $89.00

Waived on the first year.

Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $37.00

Maximum

Promotions
Sign up bonus 10000 miles after spending $3,000
  • On purchases within the first 3 months.
  • In addition, earn 15000 bonus miles on your first purchase
Rewards
All Purchases 1 mile for $1 spent
Restaurants 3 miles for $1 spent

On purchase from fast food to fine dining

Gas No
Groceries No
Hotels 3 miles for $1 spent
Travel 3 miles for $1 spent

On purchases from flights, car rentals, and cruises

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees Yes
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Critic Reviews


CreditCards.com

A poor choice for cardholders on a budget

from CreditCards.com

Don’t be fooled by this card’s triple rewards rate or pricey annual fee; despite being billed as a premium rewards card, the TD First Class Visa Signature card delivers surprisingly little value for a card with an annual fee.

Read full review

Don’t be fooled by this card’s triple rewards rate or pricey annual fee; despite being billed as a premium rewards card, the TD First Class Visa Signature card delivers surprisingly little value for a card with an annual fee.

Read full review

Less

SmartAsset

For frequent travelers who’ll spend early and often

The TD First Class Visa Signature Credit Card is a solid choice for travelers looking to gain rewards miles for their consistent traveling and dining out. 3x points on eligible travel-related and dining purchases, paired with 1x points on all other buys makes for a straightforward rewards syste...More

The TD First Class Visa Signature Credit Card is a solid choice for travelers looking to gain rewards miles for their consistent traveling and dining out. 3x points on eligible travel-related and dining purchases, paired with 1x points on all other buys makes for a straightforward rewards system card that makes earning miles easy for cardholders.

Read full review

Less

User Reviews


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