Am I eligible?
To get this card, you must also:
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...
- Daria Uhlig, GOBankingRatesFor 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...
- Kevin Payne, FinanceBuzzThe 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...
- Chris Thompson, SmartAssetThe 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...
- Kelly Dilworth, CreditCards.comThe 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.
- Brian Martucci, Money CrashersOverall, 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.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
17.74% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
17.74% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.74% (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 Maximum |
| Promotions | |
| Sign up bonus |
25000 miles after spending $3,000 On purchases within the first 6 months. |
| Rewards | |
| All Purchases | 1 miles 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 |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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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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