Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

TD First Class℠ Visa Signature® Credit Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
13.24% (Variable)
Balance Transfer
13.24% (Variable) (0% for the first 12 months)
1 - 3 Miles
Signup Bonus
25000 miles (after spending $3,000)

Informr score
The TD First Class℠ Visa Signature® Credit Card currently has an Informr score of 5.4 out of 10. This score is based on our evaluation of 3 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...


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

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,

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


Interest Rates
Regular APR Interest Rate 13.24% (Variable)

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

Balance Transfer Interest Rate 13.24% (Variable) (0% for the first 12 months)

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

Cash Advance Interest Rate 25.24% (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 3%

Of each transaction in U.S. dollars.

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 No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with TD First Class℠ Visa Signature® Credit Card

Rate It: