TD First ClassSM Visa Signature® Credit Card

Earn Rules?How much you earn back per dollar in each spending category. Cashback cards show these as percentages (2% back on groceries). Points/miles cards show them as multipliers (3x on dining). The math applies each rule to your spending in that category to compute total rewards for the year.

Signup Bonus?A one-time reward for opening the card and meeting a spend requirement. The full bonus counts toward the card's Year 1 value (only when your spend qualifies) and is excluded from its ongoing value.

Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles

Value: $250 · Spend $3,000 in 6 months

This bonus is counted in full in the card's Year 1 value, and only when your spend meets the requirement. It's excluded from the ongoing value.

Where This Came From

• APR range“9.99%”
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• Annual fee“$89 (waived the first year)”
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• Foreign transaction fee“3%”
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Wondering if this card pays off for your situation? Is the TD First ClassSM Visa Signature® Credit Card worth it? →

Cards in the Same Fee Tier That Score Higher

A similar annual fee, ranked higher at the default profile.

• British Airways Visa Signature® Credit Card$1,249 (+$1,030)
• Iberia Visa Signature® Credit Card$1,245 (+$1,025)
• Marriott Bonvoy Boundless® Credit Card$1,149 (+$929)