TD Bank
TD First ClassSM Visa Signature® Credit Card
Key Features
| Annual Fee | $89.00 |
| Intro APR | 0% introductory APR for the first 12 billing cycles, for balance transfers made within the first 90 days of account opening. |
| Regular APR | Annual Percentage Rate (APR) for Purchases: 16.74% variable APR APR for Balance Transfers: After that, 16.74% variable APR. APR for Cash Advances: 28.74% variable APR |
| Other Fees | Balance Transfer Fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. Minimum Interest Charge: $1 Cash Advance Fee: $10 or 3% of advance whichever amount is greater Foreign Transaction Fee: $0 Late Payment: Up to $40 Return Payment: Up to $40 |
| Network | Visa |
About this card
The TD First Class Visa Signature card is a middling travel rewards card that doesn't particularly excel in any area. While it offers a decent sign-up bonus, an introductory APR period, and a solid rewards rate on travel and dining, it is held back by its annual fee, average APR, and limited redemption options. The rewards program, while easy to understand, doesn't offer the flexibility or potential value of other travel cards with transfer partners. The card is best for existing TD Bank customers who value simplicity, but it's not a top contender in the broader travel rewards market. Strengths: * Generous sign-up bonus * Intro APR period for balance transfers * Good rewards rate on travel and dining * No foreign transaction fees Weaknesses: * Annual fee (waived first year) * High APR * Balance transfer fee * Limited redemption options and value for miles
Pros & Cons
What's great
- Generous sign-up bonus
- Intro APR period
- Good rewards rate on travel and dining
- No foreign transaction fees
Things to consider
- Annual fee (waived first year)
- High APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles
- 25,000 bonus miles equals a $250 statement credit towards travel or dining purchases
Rewards
- 3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining
- 1X First Class miles on all other purchases – miles never expire as long as your account is open and in good standing
Other features
- Miles never expire as long as your account is open and in good standing
- Digital Wallet
- Contactless Payments
- Visa Zero Liability
Additional Notes
Read terms and conditions for important information about APRs, fees, eligible purchases, balance transfers and program details.