USES

First Class℠ Visa Signature® from TD Bank

First Class℠ Visa Signature® from TD Bank - all information about the credit card.

Updated February 25, 2025
Advertiser Disclosure Our Methodology
TD Bank First Class℠ Visa Signature®
Apply now
Our Rating:
4.25 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 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.
  • Intro Offer:
    • 25,000x Bonus miles (equals a $250 statement credit) when you spend $3,000 within the first 6 billing cycles.
  • Annual Fee:
    $0 for the first year
    $89 thereafter
  • Purchase Intro APR:
    None
  • Regular APR:
    17.49% Variable
  • Balance Transfer APR:
    17.49% Variable
Show more

We recommend more cards

Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
1.5%
Cash Back on payments.
Apply now
On Upgrade‘s website
The Owner’s Rewards Card by M1 Celtic Bank
The Owner’s Rewards Card by M1
Celtic Bank
$0
Annual Fee
17.99% - 27.99%
Regular APR
10%
You’ll get up to 10% Cash Back with select brands you hold in an eligible portfolio.
Apply now
On Celtic Bank‘s site
Apply now

TD Bank First Class℠ Visa Signature® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Travel
$
3X
Dining
$
1X
All other purchases
$
Have you already recieved the TD Bank intro bonus?
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Miles
    • 3x On travel and dining purchases, including flights, hotels, car rentals, cruises and dining.
    • 1x On all other purchases.
  • Travel
    • Visa concierge:
    • Your 24/7 Visa concierge can assist you with travel planning, entertainment, sending a gift to someone special and more.
    • Roadside Dispatch®:
    • Access 24/7 roadside service with this pay-per-use program.
    • Travel and emergency assistance services:
    • A single phone call gets you the help that you need anywhere in the world.
    • Lost luggage reimbursement:
    • When you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000 for your checked or carry-on luggage if your luggage is lost due to theft or misdirection by the Common Carrier.
    • Visa luxury hotel collection:
    • Enjoy special guest status at Visa Signature Luxury Hotel properties all around the world.
    • Signature experience benefits:
    • Discover premium benefits at golf courses around the world and exclusive access to select Sonoma County wineries.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 17.49% Variable
  • Intro Balance Transfer APR
    • 0% Introductory APR for the first 12 billing cycles after Account opening
  • Balance Transfers APR
    • 17.49% Variable
  • APR for Cash Advances
    • 29.49% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0 for the first year
      $89 thereafter
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Return Payment
    • Up to $40
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • Intro APR period on balance transfers
  • No Foreign Transaction Fee
Cons:
  • No Intro APR period on purchases

Features

Classic
Visa
Contactless
  • No foreign transaction fees
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Travel
  • Airline
  • Lost Luggage Reimbursement
  • 24/7 Travel Assistant
  • Good Credit
  • Excellent Credit

About the issuer

TD Bank
TD Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Divvy Cross River Bank
Divvy
Cross River Bank
4.04 out of 5
Recommended credit score
score
Fair to Excellent (580-799)
  • None
    Annual Fee
  • None
    Regular APR
  • 2x - 7x:
    Points on restaurants.
  • None
    Purchase Intro APR
Apply now
On Cross River Bank‘s site
Low income
First Access Visa® The Bank of Missouri
First Access Visa® Card
4.2 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • $75.00 for the 1st year, $48.00 after
    Annual Fee
  • 35.99%
    Regular APR
  • 1%
    Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • None
    Purchase Intro APR
Apply now
On the First Access Visa® Card secure website
Unsecured
Destiny® Mastercard® First Electronic Bank
Destiny® Mastercard®
First Electronic Bank
1.47 out of 5
Recommended credit score
score
No Credit History to Fair (0-669)
  • *see terms*
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On First Electronic Bank‘s site

See Another Credit Cards in the Bank

TD Bank First Class℠ Visa Signature® is an option for those, who need Classic features. With an APR of 17.49% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With TD Bank First Class℠ Visa Signature® you will get such features as No foreign transaction fees, Payment Flexibility, Fraud Protection, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Unsecured
Milestone® Mastercard®
Milestone® Mastercard®
3.5 out of 5
Recommended credit score
scorer
Poor to Good (300-739)
  • $175
    Annual Fee
  • 35.9%
    Regular APR
  • This card doesn't offer cash back, miles or points.
  • None
    Purchase Intro APR
Apply now
On Milestone Mastercard® website