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TD Bank · Visa

TD First ClassSM Visa Signature® Credit Card

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$89
Rewards rate
See reward details
Intro offer
Intro value may include 250 points. Confirm current requirements with the issuer.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
$89
Purchase APR
APR range: 16.74%
Balance transfer APR
0% intro balance-transfer period for 12 months; variable APR applies after.
Cash advance APR
APR range: 28.74%
Promo APR length
12 months
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
25 days
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • Intro APR or transfer-focused terms
  • Cell phone protection may be available
  • Fraud-liability protection
  • Travel-focused card positioning
Rewards breakdown

Wafacard summary: this travel rewards card shows miles earning from 1x-3x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Intro value may include 250 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include intro apr or transfer-focused terms, cell phone protection may be available, fraud-liability protection, travel-focused card positioning. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
TD Bank
Network
Visa
Type
travel
Review status
Terms reviewed 6/30/2026

Is TD First ClassSM Visa Signature® Credit Card worth it?

The TD First ClassSM Visa Signature® Credit Card is a travel card from TD Bank with a $89 annual fee — a mid-range cost that should be offset by everyday value. New cardholders may also qualify for a welcome offer: Intro value may include 250 points. Confirm current requirements with the issuer. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 16.74%. Confirm current terms on TD Bank's site before applying.

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