Credit Cards » Credit Card Reviews » TD First Class Visa Signature Credit Card Review (2022)
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TD First Class Visa Signature Credit Card Review (2023)

With a TD First Class Visa Signature Credit Card, you have access to exclusive events, complimentary 24/7 concierge, and special shopping perks. However, if you are a light spender, you may want to find other credit card offers.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Table of Contents

The TD First ClassSM 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.

With a TD First Class Visa Signature Credit Card, you have access to exclusive events, complimentary 24/7 concierge, and special shopping perks. Like many Visa cards, you have Visa Zero Liability. You also do not have to worry about extra on international purchases. To be eligible to apply for this credit card, you will need to have a high credit rating.

However, cardholders who do not like to track categories when they shop will find the TD First Class Visa Credit Card quite limiting if they care about rewards. Otherwise, the card offers a good but not great deal when compared with similar rewards cards. You should also bear in mind that the rewards earned on this credit card are not transferable to other cards or partner programs.

TD First ClassSM Visa Signature® Credit Card

TD First Class Visa Signature Credit Card Review

On TD Bank Secure Website

Rewards Plan

1X – 3X 3X First Class miles on travel and dining purchases and 1X First Class miles on all other purchases

Sign up Bonus

25,000 miles 25,000 miles on $3,000 spent in first 6 cycles

0% Intro

12 billing cycles on balance transfers

PROS

CONS

APR

17.49% variable

Annual Fee

$89 (waived first year)

Balance Transfer Fee

$5 or 3%

Credit Requirements

Good - Excellent

Card & Issuer Reputation

J.D Power offers the most comprehensive and independent study of customer satisfaction of card issuers . The study aims to help consumers and issuers to understand user opinions and ratings of the largest bands. It covers terms, benefits, services, communication, rewards and more. TD bank wasn't participated in the 2020 research.

J.D. Power U.S. Credit Card Satisfaction Study 2020

Advantages

Let’s take a look at the advantages of this card and see if it’s the right one for your wallet or not.

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.

At 17.49% variable, the annual percentage rate of the TD First Class Signature Credit Card is quite attractive. It is a much better deal than the 15-17% average offered by most credit card companies.

You are not held responsible for unauthorized charges to your account processed by Visa. This protects you from liability if your card is ever stolen or used fraudulently. You are required to report any unauthorized use to TD Bank immediately.

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. These airline miles, valued at one mile a cent, can be spent on travel and dining purchases.

Miles may be redeemed as statement credits or direct deposit when you accrue up to 2,500. Your airline miles have no expiration date and are valid for as long as your account remains open and stays in good standing.

Unlike many other credit card issuers, this card does not charge any fee for foreign transactions. Not having to pay foreign transaction fees when you travel outside the US or make international purchases can be a great advantage.

This could help you save a dollar or two, which can add up quickly if you do this often.

Disadvantages

Let’s take a look at the disadvantages of this credit card and see if it’s the right one for your wallet or not.

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.

The miles earned on the TD First Class Visa Signature Credit Cards cannot be transferred to other loyalty programs.

This puts it behind many other credit cards which allow the transfer of rewards to partner programs.

Interests will not be charged on any balance you transfer from other credit cards within the first 12 cycles.

Since this introductory rate is limited to balance transfer, you may still be charged interests on purchases you make with your card if you don’t pay off your full balance by the due date each of month.

How To Apply For TD First Class Visa Signature Card?

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.

First Step:

Fill in your names, phone numbers and email. At least one phone number must be provided.

Second Step:

Provide your address information. This will include your full home address, zip code, residential status, and monthly rent or mortgage.

Third Step: 

Verify your identity by providing your date of birth and social security number.

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.

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.

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.

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

capital-one-venture

chase_sapphire_preffered

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 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 Ultimate Rewards, 3x points on dining and online grocery purchases and 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%
None
0%
Purchase APR
18.24% to 28.24% will apply. A 3% fee (min $0) applies to all balance transfers
20.24% – 28.24% (Variable)
20.49% – 27.49% variable APR

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Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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The product offers that appear on this site are from companies from which this website receives compensation. 

Table of Contents

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.