Review
TD First ClassSM Visa Signature® Credit Card Review: Simple Rewards for Travel and Dining
Looking for a travel card that keeps it simple? The TD First Class Visa Signature® card offers solid rewards on travel and dining, plus a decent welcome bonus and no foreign transaction fees, making it a strong contender for fuss-free travel.
| Annual Fee | $89.00 |
| 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 |
| Intro APR | 0% introductory APR for the first 12 billing cycles, for balance transfers made within the first 90 days of account opening. |
| Rewards Rate | 1x–3x First Class miles |
| Sign-up Bonus | 25,000 bonus miles |
| 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
- 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
Benefits
Drawbacks
Decision Guidance
Summary
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 b...