Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Extended Returns
- No Annual Fee
- Rewards Only Usable at Target
- Discount Limitations
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Attainable Signup Bonus
- Miles Reward
CONS
- Annual Fee
- Rewards Are Not Transferable
APR
18.49% variable
Credit Requirements
Good - Excellent
The TD First Class Visa Signature® Credit Card is an airline miles rewards card aimed at people who spend a lot on travel and dining. The card offers 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases.
There is a sign up bonus of 25,000 miles on $3,000 spent in first 6 cycles and 0% intro APR for 12 billing cycles on balance transfers. Other pros include no foreign transaction fees, rental car coverage and Visa Zero Liability protection add further benefits.
Despite its benefits, the card may not suit everyone. There is $89 (waived first year) annual fee (waived in the first year), and redemptions below 25,000 miles receive only 50% of the value.
The TD First Class℠ Visa Signature® Credit Card lacks travel partners, limiting flexibility compared to other rewards programs. Redemption options include statement credits, gift cards, and merchandise, but redemptions for travel or dining require calling the TD Rewards Center. The card doesn't allow online or automatic redemption.
How can I redeem TD miles earned with this card?
Redemption options include statement credits, gift cards, and merchandise, but for travel or dining, cardholders need to call the TD Rewards Center.
Can I transfer TD miles to other rewards programs?
No, TD miles cannot be transferred to other rewards programs.
Are there any foreign transaction fees associated with this card?
No, the TD First Class℠ Visa Signature® Credit Card does not charge foreign transaction fees.
Does the TD First Class℠ Visa Signature® Credit Card offer any travel insurance benefits?
Yes, it provides auto rental coverage when renting a car using the card.
Is there a balance transfer fee?
Yes, the balance transfer fee is $5 or 3%.
Pros & Cons
Let’s take a look at the advantages and disadvantages of TD First Class card and see if it’s the right one for your wallet or not.
Pros | Cons |
|---|---|
Signup Bonus | Annual Fee |
Generous Rewards for Travel and Dining | 0% Intro Only on Balance Transfers |
No Foreign Transaction Fee | Rewards Are Not Transferable |
0% Intro APR on Balance Transfers | Minimum Redemption Requirement |
Rental Car Coverage | Restricted Availability |
- Signup Bonus
This card offers you a signup bonus of 25,000 miles on $3,000 spent in first 6 cycles. The steps required to earn this bonus are very straightforward and can be attained easily if you spend a lot.
- Generous Rewards for Travel and Dining
TD First Class Visa Signature Credit Card specially rewards you for spending on travels and dining. You get 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases.
- No Foreign Transaction Fee
Unlike many other credit card issuers, this card does not charge any fee for foreign transactions.
- 0% Intro APR on Balance Transfers
The card offers a 0% APR for 12 billing cycles on balance transfers, a valuable feature for individuals looking to manage credit card debt without incurring interest charges
- Rental Car Coverage
Cardholders benefit from rental car coverage, providing protection when renting a car using the TD First Class℠ Visa Signature® Credit Card and the option to decline rental company insurance.
- Annual Fee
The $89 (waived first year) is high when you consider other rewards cards which charge less than this and offer comparable, sometimes better, benefits.
You have to spend at least $2,967 on travel and dining or $8,900 on other purchases to earn enough rewards to offset the impact of your annual fee on this card.
- 0% Intro Only on Balance Transfers
Since this introductory rate is limited to balance transfers, you may still be charged interest on purchases you make with your card if you don’t pay off your full balance by the due date each month.
- Rewards Are Not Transferable
Unlike some competitors, TD miles cannot be transferred to other rewards programs, limiting the flexibility and potentially reducing the card's overall value for those seeking diverse redemption options.
- Minimum Redemption Requirement
Only redemptions of 25,000 miles or more receive 100% of the value for travel or dining purchases, potentially discouraging smaller redemptions and limiting flexibility.
- Restricted Availability
The card is only available to residents in specific states within the TD Bank footprint, potentially excluding individuals from applying based on their location.
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How To Apply For TD First Class Card?
- 1.
The TD First Class Visa Signature Credit Card is only available in the US. You must meet the minimum age (18), income, residency, and credit quality requirements.
To begin your application, visit the TD Bank website. Make sure you’re on the US page. If you’re not, you can switch to the US page by clicking the flag at the top right corner of the page.
Click on “Banking” at the top of the homepage. Scroll down and click on “Credit Cards” from the list under “Personal Banking”. In the next page, click “Apply Now” on TD First Class Visa Signature Credit Card.
- 2.
First Step:
Fill in your names, phone numbers and email. At least one phone number must be provided.
- 3.
Second Step:
Provide your address information. This will include your full home address, zip code, residential status, and monthly rent or mortgage.
- 4.
Third Step:
Verify your identity by providing your date of birth and social security number.
- 5.
Fourth Step:
Fill in your gross annual income and source of income. You will also be asked to provide information on your job industry and role. You will be asked to verify your information before proceeding to the next stage.
- 6.
There are two optional steps after this. You may choose to transfer balances from your other cards. To do this, you must provide the amount, card account number, and card issuer name and address.
You may also choose to add other authorized users (up to 3). You will need to provide their names and birth dates to do this.
Final Step:
You will be presented with an Agreements & Disclosures section. You may download a PDF of the terms and conditions from this page. If you agree to them, click on “Accept & Continue”. Review your information and submit.
- 7.
If your application is approved, you may receive a credit card account starting with a minimum access line of $5,000. It could be more. While many things typically go into the credit card approval process, it is important to have very good to excellent credit score when applying for a TD First Class Visa Signature Credit Card. They check.
How It Compared To Other Travel Cards?
In terms of rewards, the TD First Class℠ Visa Signature® Credit Card stands out with its 3X miles on travel and dining purchases. This puts it on par with some mid-tier travel cards that also offer elevated rewards for similar categories such as the Venture Card by Capital One (2X – 5X ) or the Citi Premier® Card (1X – 3X ) but lower than other card such as the Chase Preferred card (2X – 5X) or the U.S. Bank Altitude Connect (1X – 5X).
One area where the TD card falls short is in the flexibility of its rewards program. Unlike some competitors, it lacks the option to transfer miles to other loyalty programs, limiting the versatility of its rewards. Cards like the Chase Sapphire Preferred® Card or the Capital One Venture Rewards Card, for example, allow users to transfer points to various airline and hotel partners, providing more options for maximizing the value of rewards.
The TD First Class℠ Visa Signature® Credit Card's 0% introductory APR on balance transfers for 12 billing cycles is a vital feature for those looking to manage existing credit card debt. This is not a common feature among competing travel cards.
However, some cards offer rewards that are not available through TD, such as Global Entry or TSA PreCheck credits (Venture Card), cell phone protection, and even lounge access (U.S. Bank Altitude Connect).
Is the TD First Class Card Right for You?
Making the most out of a TD First Class Visa Signature Credit Card requires you to spend, a lot. You also have to be strategic about how you do this since not all purchases carry equal rewards.
If you don’t travel much, earn a low income or are struggling with a poor credit score, you should look elsewhere for options more suited to your situation. If you have excellent credit and spend a lot on traveling, however, this card may be for you. This is a tailored travel rewards card and it does not offer much for any other type of user.
Compare The Alternatives
If you're looking for a travel rewards credit card – the TD first class is definitely a good option, but there are some good alternatives:
|
|
| |
|---|---|---|---|
Bank of America® Travel Rewards credit card | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | |
Annual Fee | $0 | $95 | $95 |
Rewards |
1.5X
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
|
2X – 5X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
|
2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases. |
Welcome bonus |
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
|
75,000 miles
|
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
Foreign Transaction Fee | $0 | $0 | $0 |
Purchase APR | 18.24% – 28.24% Variable APR will apply. | 19.99% – 29.99% (Variable) | 21.24%–28.24% variable APR |
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