SuperMoney 
  TD First Class Visa Signature Credit Card

TD First Class Visa Signature Credit Card

in Personal Credit Cards from TD Bank

Claimed

TD First Class Visa Signature Credit Card

Claimed

in Personal Credit Cards from TD Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend TD First Class Visa Signature Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Annual Fee $89
Purchase APR  (Variable APR) 15.24%
Balance Transfer APR  (Variable APR) 15.24%
Credit Score Range 700 - 850

TD First Class Visa Signature Credit Card Review

TD First Class Visa Signature Credit Card is a rewards credit card issued by TD Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether TD First Class Visa Signature Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of TD First Class Visa Signature Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Has an introductory APR rate on balance transfers of 0%.
  • Cardholders can earn rewards on their purchases.
  • No foreign transaction fee.
  • 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.
  • Does not include many credit card rewards.
  • Is there a TD First Class Visa Signature Credit Card cash back or rewards program?

    TD First Class Visa Signature Credit Card offers a rewards program to its customers.

    TD First Class Visa Signature Credit Card Rewards
    Rewards rate (all purchases) 1%
    Max rewards rate 3%
    Annual rewards limit N/A
    Signup Bonus ($) N/A
    Signup Bonus (Points/Miles) 25000
    Signup Bonus Spend Requirement $3000
    Signup Bonus Spend Period (months) 6 months

    Does TD First Class Visa Signature Credit Card have a signup bonus?

    TD First Class Visa Signature Credit Card doesn't offer a cash signup bonus. However, it does include a 25000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

    Does TD First Class Visa Signature Credit Card offer an annual loyalty bonus?

    TD First Class Visa Signature Credit Card doesn't offer a cash loyalty bonus.

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

    TD First Class Visa Signature Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. TD First Class Visa Signature Credit Card has lower than average purchase APRs.

    TD First Class Visa Signature Credit Card has a variable purchase APR of 15.24%. The card has a variable balance transfer APR of 15.24% . It also has a variable cash advance APR of 27.24% .

    Does TD First Class Visa Signature Credit Card have an introductory APR offer?

    Yes, TD First Class Visa Signature Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

    TD First Class Visa Signature Credit Card does not offer an introductory rate on new purchases.
    TD First Class Visa Signature Credit Card Balance Transfers
    Description
    Balance Transfer APR 15.24%
    Introductory Rate 0%
    Intro APR period (months) 12
    TD First Class Visa Signature Credit Card Rates & Terms
    Description
    Balance Computation Average Daily Balance (including Current Transactions)
    Purchase APR 15.24%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR 27.24%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

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

    The following fees apply to TD First Class Visa Signature Credit Card:

    TD First Class Visa Signature Credit Card Fees
    Fees Amount
    Annual Fee $89
    Foreign Transaction Fee 0%
    Balance Transfer Fee 3%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $37
    Late Payment Fee up to $37

    Does TD First Class Visa Signature Credit Card have a foreign transaction fee?

    TD First Class Visa Signature Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

    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 can help improve your credit score.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Every Purchase (Points) 3X First Class miles on travel and dining purchases. 1X First Class miles on all other purchases
    Foreign Currency Transaction Fee 0%
    No Annual Fee First Year  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Annual Fee $89
    Balance Transfer Fee % 3%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $37
    Minimum Interest Charge $1
    Returned Payment Fee Up to $37
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Rewards
    • Travel
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Fraud Liability
    Fraud Liability  
    Bonus Rewards Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles
    Rewards Categories
    • Airfare
    • Car Rentals
    • Hotels
    • Restaurants
    • Travel
    Signup Bonus (points) 25,000
    Cash Advance APR (Variable APR) 27.24%
    Purchase APR (Variable APR) 15.24%
    Balance Computation Average Daily Balance (including Current Transactions)
    Balance Transfer APR (Variable APR) 15.24%
    Intro APR period 12
    Introductory Rate 0%

    Be the first to rate

     

    Would you recommend TD First Class Visa Signature Credit Card to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    Cancel my vote
    (will require moderator approval)

    Other Personal Credit Cards

    TD Bank Personal Credit Cards

    Product

    Reviews

    Annual Fee

    Purchase APR

    Balance Transfer APR

    Credit Score Range

    Target REDcard

    Target REDcard

    Rating not yet determined

    3 total votes
    In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
    Annual Fee $0 Annual Fee
    Purchase APR 22.9% Variable APR
    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range 640 - 750     300 850
    TD Cash Credit Card

    TD Cash Credit Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Purchase APR 14.99% - 24.99%
    (Variable APR)
        0% 36% Variable APR
    Balance Transfer APR 14.99% - 24.99%
    (Variable APR)
        5% 29% Variable APR
    Credit Score Range 700 - 850     300 850
    Nordstrom Rewards Credit Card

    Nordstrom Rewards Credit Card

    Be the first to rate

    Annual Fee $0 Annual Fee
    Starting Purchase APR 25.15% Starting Variable APR
    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range 600 - 850     300 850