TD First Class℠ Visa Signature®
- Annual Fee
- $89
- miles · Welcome Bonus
- 25,000
- Top Rate
- 3X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $89
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- TD Bank miles
- Credit Required
- Excellent
Welcome Offer
25,000
miles
$3,000
Spend Required
6 months
Time Period
Earning Rates
- 3X
Dining
3X First Class miles on dining purchases
- 3X
Travel
3X First Class miles on travel purchases, including flights, hotels, car rentals, and cruises
Benefits & Perks
Insurance & Protections
8 protectionsLost luggage reimbursement
$3,000
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 lugg...
Car rental benefits
Enjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget.
$500 cell phone protection
$500
Get reimbursed up to $500 per claim (2 claims/$1,000 max per year, $50 deductible) for a stolen or damaged phone.
View conditions
Deductible: 50
Emergency card replacement
If your card is lost or stolen, you can get an emergency replacement card sent immediately
Extended Warranty Protection
Extended Warranty Protection will add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card
Show all 8 protectionsShow fewer protections
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
$500 Purchase Security
$500
Covers new purchases stolen or damaged within 90 days, up to $500 per claim and $50,000 per cardholder.
Dining Out
3x at restaurants
TD Bank miles
≈$3 in value on a $100 dinner, at our valuation of 1¢ per point
Annual fee: $89
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $89 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$89
Net Annual Value
-$89
Details & Terms
Payment Terms
| Purchase APR | 16.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| TD Bank Official | — | TD Bank Official |
| TD Bank Official | TD Bank Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
