Review
TD Bank TD First Class Visa Signature Credit Card Review: Flexible Rewards for Travelers and Diners
Unpack the TD First Class Visa Signature Credit Card, offering travelers and diners 3X miles on purchases, a welcome bonus, and no foreign transaction fees. Find out if this flexible rewards card is your perfect companion.
| Annual Fee | $89.00 |
| Sign-up Bonus | 25,000 bonus miles |
| Rewards Rate | 3x-1x First Class miles |
| Intro APR | 0% introductory APR for the first 12 billing cycles, for balance transfers made within the first 90 days of account opening. After that, 16.74% variable APR. If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement. |
| Regular APR | 16.74% variable APR After that, 16.74% variable APR. 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 |
Overview
Pros & Cons
What's great
- Annual fee waived for the first year
- Intro APR period on balance transfers
- Generous sign-up bonus
- High rewards rate on travel and dining
- No foreign transaction fees
- Flexible redemption options for rewards
Things to consider
- Annual fee applies after the first year
- High balance transfer fees after intro period
- Limited bonus rewards categories
- Potentially high regular APR
Benefits
Drawbacks
Decision Guidance
Summary
The TD First Class Visa Signature Credit Card earns a 'Good' overall rating of 3.7 out of 5.0. This card presents a compelling value proposition on paper, particularly in its financial terms and core reward categories. The APR rating is exceptionally...