TD First Class℠ Visa Signature®

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on TD Bank's secure website.
  • 25,000 Bonus First Class Miles (valued at $250) when you spend $3,000 in first 6 months
  • 3X Points on Dining & Travel
  • 1X Points on everything else
  • $0 Annual fee first year, then $89
  • View Terms

Why We Like It

The TD First Class℠ Visa Signature® is a premium card from TD Bank and most benefits people who travel and dine out often.

Earn 3X First Class miles on travel and dining purchases, plus 1X First Class miles on everything else.

First Class miles can be redeemed for statement credit on travel or dining purchases.

Limited-Time Bonus: Up to 25,000 Bonus First Class miles ($250 value) when you spend $3,000 within the first 6 months! This sign-up bonus has one of the longest periods of time to meet minimum spend of any rewards card!

It also carries a generous 0% intro APR on balance transfers for the first 12 months.

Bonus Offer

25,000 miles ($250 value) after making $3,000 in purchases within first 6 months of account opening

Get an introductory APR rate of 0% for 12 billing cycles on balance transfers


We recommend you have Excellent (750 - 850) credit before applying for this card.

25,000 Bonus First Class miles: earn 15,000 bonus miles when you make your first purchase within first 6 months, then another 10,000 bonus miles when you spend $3,000 or more within first 6 months.

There's no limit to how many First Class miles you could earn which is great!

There is a balance transfer fee of 3% or $10, whichever is greater.

Additional benefits include:

  • Free VantageScore®
  • Fraud Protection
  • TD CreditView℠: provided through TransUnion, get free access to monitor your credit in online portal
  • Complimentary 24/7 concierge
  • Access to exclusive events
  • Exclusive shopping perks

Card Details

Purchase Intro APR N/A; 0%* for 12 months on balance transfers
Purchase APR 13.49%
Annual Fee $89 - Waived first year
Rewards Rate Up to 3X First Class Miles per dollar
Rewards Rate Details First Class Miles can be used for statement credit on travel/dining
Foreign Transaction Fee $0
Credit Needed Excellent

Thoughts from Actual Users

"I been using TD bank for about 2 years now and it is a very great bank to use.I tried this bank after using bank america and the time there really didn't fit my needs.I needed a credit card that will help me to fix my debt that i had and at the same time build my credit back to good standards." Mike C. of Miami, FL

"I didn't understand TD miles and rewards when i first started but it's actually easy. You redeem statement credit so it's like free money just for using card. Happy with TD." Vanessa N. of St. Louis, MO

"My first year I earned almost $200 in cash rewards, which was a breeze to redeem. I have had one other cash reward credit card from a well known company, and I chose to cancel my account with them because of how confusing it was." Kevin B. of Stowe, VT

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