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TD First Class℠ Visa Signature® Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.49% (Variable)
Interest Rate: Purchases
18.49% (Variable)
Balance Transfer
18.49% (Variable) (0% for the first 12 months)
Balance Transfer
18.49% (Variable) (0% for the first 12 months)
1 - 3 Miles
1 - 3 Miles
Signup Bonus
25000 miles (after spending $3,000)
Signup Bonus
25000 miles (after spending $3,000)

Informr score
The TD First Class℠ Visa Signature® Credit Card currently has an Informr score of 7 out of 10. This score is based on our evaluation of 5 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...


For more casual credit card users who carry a card for travel and dining but avoid charging everyday expenses, the TD First Class Visa Signature Credit Card is worth serious consideration. It earns unlimited miles that never expire, has a low interest rate compared to other travel cards and offers a...

- Daria Uhlig, GOBankingRates

The TD First Class Visa Signature card is best for frequent travelers and those who regularly dine out. Other travel rewards programs may offer more value, but it’s possible to earn enough rewards to fund incredible trips using TD miles. If all that sounds like you, this travel rewards credit card e...

- Kevin Payne, FinanceBuzz

The TD First Class(SM) 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 with the TD First Class(SM) Visa Signatur...

- Chris Thompson, SmartAsset

The TD First Class Visa Signature card offers an accessible sign-up bonus and triple points on dining and travel, but its below-average rewards rate makes it hard to justify the high annual fee.

- Kelly Dilworth,
Money Crashers
Money Crashers

Overall, this is a very good card for frequent diners and travelers (including world travelers) who don’t mind its reward programs’ idiosyncrasies and spend heavily enough to offset the annual fee.

- Brian Martucci, Money Crashers


Interest Rates
Regular APR Interest Rate 18.49% (Variable)

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

Balance Transfer Interest Rate 18.49% (Variable) (0% for the first 12 months)

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

Cash Advance Interest Rate 30.49% (Variable)

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 $40.00


Sign up bonus 25000 miles after spending $3,000

On purchases within the first 6 months.

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 Apple Pay, Samsung Pay, Google Pay
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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