TD First Class℠ Visa Signature^® Credit Card Review [2025]: Easy Rewards for Travel

The TD First Class℠ Visa Signature^® Credit Card comes with high rewards earning potential for travel and dining purchases, along with a number of travel perks. These credit card benefits make it a good travel rewards credit card for frequent travelers.

But with all its earning potential, the TD First Class℠ Visa Signature^® Credit Card might not be perfect for everyone, as there are limits on how you can redeem your TD miles. Savvy travelers may find that other travel rewards cards provide a better overall rewards program.

Keep reading this TD First Class℠ Visa Signature^® Credit Card review to get a closer look at this card and whether it's worth adding to your wallet.

For People Who Travel and Eat Out Frequently

TD First Class℠ Visa Signature^® Credit Card

3.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

TD First Class℠ Visa Signature^® Credit Card

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Current Offer

Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles

Annual Fee

$89 (waived first year)

Rewards Rate

Earn 3X First Class Miles on travel and dining purchases, and 1X on all other purchases

Benefits and Drawbacks

Benefits

• Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• 3X miles on travel and dining purchases
• 0% intro APR on balance transfers for first 12 billing cycles, then 17.49% (variable)
• No foreign transaction fee

Drawbacks

• Has annual fee after first year
• No ability to redeem points online
• No transfer partners

Card Details

• Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• Earn 3X First Class Miles on travel and dining purchases, and 1X on all other purchases
• Intro balance transfer 0% APR offer: 0% for 12 billing cycles then 17.49% (variable)

Key takeaways

• The TD First Class℠ Visa Signature^® Credit Card offers attractive rewards for travelers and diners. As a cardholder, you can earn 3X miles on travel and dining purchases, making it a great choice for those who frequently travel or eat out.
• New cardholders can earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• The TD First Class℠ Visa Signature^® Credit Card offers 0% for 12 billing cycles on balance transfers, then 17.49% (variable), which can be useful for those looking to pay off credit card debt while saving money on interest charges.
• The TD First Class℠ Visa Signature^® Credit Card charges None foreign transaction fees but comes with an annual fee of $89 (waived first year).
• To apply, you need to be a resident of Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.
• There are some limitations on how rewards can be redeemed. Cardholders need to call the TD Rewards Center for statement credits for travel or dining purchases. Additionally, only redemptions of 25,000 miles or more will receive 100% of the value for travel or dining purchases, while smaller redemptions receive only 50% of the value.

Who should get the TD First Class℠ Visa Signature^® Credit Card?

The TD First Class℠ Visa Signature^® Credit Card is best for frequent travelers and those who regularly dine out. If this sounds like you, you would find that this travel rewards credit card could help you earn valuable rewards that fit your lifestyle.

The TD First Class℠ Visa Signature^® Credit Card also has an intro APR of 0% for 12 billing cycles on balance transfers (then 17.49% (variable)). If you want to use a balance transfer to pay off credit card debt, then you could transfer it to this card and have a good amount of time to pay that debt down without paying any interest.

The TD First Class℠ Visa Signature^® Credit Card isn't the best choice if you rarely travel or don't go out much. Keep in mind that it comes with an annual fee of $89 (waived first year). If you don't think you'll make enough use of it to justify the annual fee, you might prefer one of the best travel credit cards with no annual fee.

Card basics

Why we like the TD First Class℠ Visa Signature^® Credit Card: benefits and perks

• Easy welcome offer: Cardmembers earn Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles.
• Intro APR: Use a balance transfer to refinance your existing credit card debt and enjoy 12 billing cycles of introductory 0% APR on balance transfers (then 17.49% (variable) APR). A balance transfer fee of $5 or 3%, whichever is greater will apply.
• No foreign transaction fees: Make purchases anywhere in the world without worrying about extra fees as the TD First Class℠ Visa Signature^® Credit Card charges None foreign transaction fees.
  
• Rental car coverage: When you rent a car using your TD First Class℠ Visa Signature^® Credit Card, you're protected with auto rental coverage so you can choose to opt out of the insurance that the rental company offers.

What we don't like about the TD First Class℠ Visa Signature^® Credit Card: drawbacks

• Annual fee: The TD First Class℠ Visa Signature^® Credit Card has an annual fee of $89 (waived first year). If you don't dine out or travel a lot of, having to pay the annual fee could cancel out most of your rewards earnings.
• Statement credit redemptions: You have to call the TD Rewards Center if you want statement credits for travel or dining purchases made on the card. Also, only redemptions of 25,000 miles or more will receive 100% of the value for travel or dining purchases. Redemptions under the 25,000 minimum will receive only 50% value. So if you had 20,000 miles, you would receive a $100 statement credit.
• No travel partners: TD miles don't transfer to other rewards programs, such as airline or hotel loyalty programs. This makes the TD rewards program less flexible and potentially less valuable than programs like Chase Ultimate Rewards or American Express Membership Rewards.
• Not available nationwide: You need to have a legal address within the TD Bank footprint to apply for a TD Bank credit card. The TD Bank footprint includes Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.

Earning & redeeming TD Rewards

Potential earnings in years one and two

Here's a look at how your points can add up with the TD First Class℠ Visa Signature^® Credit Card. To calculate these values, we used a point valuation of $0.01 (or 1 cent per point). This is the standard redemption value stated by TD Bank for cash back, travel, or gift cards.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $885

Year two earnings: $546

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which takes a look at points earned via spending and the sign-up bonus while also accounting for the annual fee.

Best ways to earn

Your best bet for building up TD miles is through travel and dining purchases, which both earn you 3X miles per dollar spent. You earn only 1X miles per dollar on all other purchases. According to TD Bank, travel spending includes airline tickets, hotel accommodations, car rentals, tolls, travel agencies, and cruises.

You'll also want to take advantage of this card's promotional welcome offer. You can earn Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles after account opening.

Maximizing your redemptions

The ways you can redeem the rewards you earn with the TD First Class℠ Visa Signature^® Credit Card include statement credits, gift cards, and merchandise. TD miles are worth 1 cent each when redeemed for statement credits and gift cards but may have a lower value when redeemed for merchandise.

If you would like to redeem your rewards for travel or dining purchases, just use your card for those expenses, then call the TD Rewards Center at 1-877-468-3178 within 180 days of the charge. A representative will verify the charges and issue you a statement credit on your next monthly billing statement. Unfortunately, there are no online or automatic options for redeeming your rewards.

Another downside with TD miles is that you may not always receive full value if you need to cash out your rewards. Only redemptions of 25,000 miles or more receive full value. If you, for example, tried to redeem 10,000 miles, you would only receive a $50 statement credit, 50% of the value.

TD First Class℠ Visa Signature^® Credit Card FAQ

Other cards to consider

If you're looking for a more versatile travel rewards credit card, the Capital One Venture Rewards Credit Card is a great card to consider. You can enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. These miles can be transferred to 15 different Capital One transfer partners, including airlines and hotels. Frequent travelers will also like that this card has no foreign transaction fees, and you can get up to a $120 statement credit toward Global Entry or TSA PreCheck.

One of the most popular travel rewards credit cards available is the Chase Sapphire Preferred^® Card. It helps you earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 60,000 bonus points are worth $750 in travel when redeemed through the Chase travel portal. You can also transfer those rewards to 11 different Chase Travel℠ transfer partners.

For People Who Travel and Eat Out Frequently

TD First Class℠ Visa Signature^® Credit Card

3.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

TD First Class℠ Visa Signature^® Credit Card

3.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Why We Like It

Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles

See how these cards compare:

Capital One Venture Rewards Credit Card

• Has a generous welcome offer
• Offers up to $120 Global Entry or TSA PreCheck® statement credit
• Has an easy rewards program and highly flexible travel redemptions
• Doesn’t charge foreign transaction fees
• Offers valuable travel protections
• Rates and fees

Chase Sapphire Preferred® Card

• Generous welcome offer valued at $750 when redeemed via Chase Travel℠
• High rewards on dining and bookings via Chase Travel
• 25% more value when redeeming points for travel through Chase Travel
• Up to $50 in statement credits each account anniversary year for hotel stays booked through Chase Travel
• Receive valuable travel protections like trip delay reimbursement and primary rental car insurance
• Rates and fees

TD First Class℠ Visa Signature^® Credit Card: bottom line

The TD First Class℠ Visa Signature^® Credit Card can be a good fit for frequent travelers and diners who can maximize its rewards. With attractive benefits like a generous welcome offer, introductory APR on balance transfers, and None foreign transaction fees, it can provide substantial value.

However, the $89 (waived first year) annual fee and restrictions on reward redemptions may not be ideal for everyone. If your spending habits or travel needs don't align with this credit card, you can explore more options in our list of the best travel credit cards.

For People Who Travel and Eat Out Frequently

TD First Class℠ Visa Signature^® Credit Card

3.8

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

TD First Class℠ Visa Signature^® Credit Card

Compare Credit Cards

Current Offer

Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles

Annual Fee

$89 (waived first year)

Rewards Rate

Earn 3X First Class Miles on travel and dining purchases, and 1X on all other purchases

Benefits and Drawbacks

Benefits

• Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• 3X miles on travel and dining purchases
• 0% intro APR on balance transfers for first 12 billing cycles, then 17.49% (variable)
• No foreign transaction fee

Drawbacks

• Has annual fee after first year
• No ability to redeem points online
• No transfer partners

Card Details

• Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• Earn 3X First Class Miles on travel and dining purchases, and 1X on all other purchases
• Intro balance transfer 0% APR offer: 0% for 12 billing cycles then 17.49% (variable)