TD First Class℠ Visa Signature®
- 25,000 Bonus First Class Miles (valued at $250) when you spend $3,000 in first 6 billing cycles
- 3X Points on Dining & Travel
- 1X Points on everything else
- 0% Intro APR on Balance Transfers for first 12 billing cycles
- Low ongoing APR
- $0 Annual fee first year, then $89
- Credit Needed: Excellent
- 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.
It also carries a generous 0% intro APR on balance transfers for the first 12 billing cycles. After that, a low ongoing variable APR of 13.99% applies, one of the lowest in the industry. Other balance transfer cards generally offer ongoing APRs in the 16%-26% range.
This is one of the few balance transfer cards that offers rewards.
Earn 3X First Class miles on travel and dining purchases including hotels, flights, car rentals, toll & bridge fees, cruises, fine fining, and fast food. Earn 1X First Class miles on everything else.
First Class miles can be redeemed for statement credit (see below).
Limited-Time Bonus: you'll earn 15,000 bonus miles when you make your first purchase within the first 6 billing cycles, then another 10,000 bonus miles when you spend $3,000 on purchases within the first 6 billing cycles, for a total of 25,000 First Class miles!
Roughly 6 months to meet the minimum spend? Yes please! This card's signup bonus promotional period is one of the longest of any rewards card.
Insider Tip: As a TD Bank cardholder you can buy Visa gift cards directly from TD Bank for no fees to purchase and make transactions. Normally you are charged a $5.95 fee for a $100 Visa gift card when you buy from a retail store or website! You can use your TD credit card to buy the gift cards.
25,000 miles ($250 value) after making $3,000 in purchases within first 6 billing cycles
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.
First Class Miles can be redeemed for statement credit on travel/dining. Redeem within 180 days of your travel/dining purchase for 100% of the value of the miles.
You can also redeem for statement credits that are not categorized as travel/dining purchases. If you redeem 25,000 or more miles on non-travel/dining, you'll receive a statement credit equal to 100% of the value of the miles redeemed. If you redeem less than 25,000 , you'll get 50% of the value.
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
|Intro Purchase APR||N/A|
|Intro Balance Transfer APR||0%* for 12 billing cycles after account opening|
|Foreign Transaction Fee||$0|
|Annual Fee||$89 - Waived first year|
|Rewards Rate||Up to 3X First Class Miles per dollar|
|Rewards Rate Details||First Class Miles can be redeemed for statement credit on travel/dining. If you redeem more than 25,000 miles, you can also redeem for statement credits that are not categorized as travel/dining purchases equal to 100% of the value of the miles redeemed|
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