TD First Class Visa Signature Credit Card

TD First Class Visa Signature Credit Card Review

This is a rewards card issued by TD Bank. If you're wondering whether TD First Class Visa Signature Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 25,000 bonus miles equals a $250 statement credit towards travel or dining purchases.
• Competitive APRs. TD First Class Visa Signature Credit Card has a variable purchase APR of 14.74%
• Annual fee waived the first year. TD First Class Visa Signature Credit Card gives you the chance to have the card for a year without paying the $89 annual fee.
• 3% Balance transfer fee. TD First Class Visa Signature Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of TD First Class Visa Signature Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. Annual fee waived during the first year. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. TD First Class Visa Signature Credit Card reports to multiple credit bureaus.	Charges an annual fee of $89 You don't earn rewards on every purchase. Charges a 3% balance transfer fee

TD First Class Visa Signature Credit Card FAQ

Does TD First Class Visa Signature Credit Card have a cash back or rewards program?

TD First Class Visa Signature Credit Card is a travel rewards card.

TD First Class Visa Signature Credit Card Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	25000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	6 months

What are the TD First Class Visa Signature Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for TD First Class Visa Signature Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

TD First Class Visa Signature Credit Card has a variable purchase APR of 14.74%. The card has a variable balance transfer APR of 14.74% . It also has a variable cash advance APR of 26.74% .

What are the fees for TD First Class Visa Signature Credit Card?

The following fees apply:

TD First Class Visa Signature Credit Card Fees

Fees	Amount
Annual Fee	$89
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	Starting at $ up to $40
Late Payment Fee	Starting at up to $40

This card charges a $89 annual fee.

Does TD First Class Visa Signature Credit Card report your account activity to credit bureaus?

Yes, TD First Class Visa Signature Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for TD First Class Visa Signature Credit Card

• Visit the TD First Class Visa Signature Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.