Last Updated: 07/28/2025
TD First Class Visa Signature Credit Card
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in Credit Cards from TD Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
500 - 850
Annual Fee
$89
TD First Class Visa Signature Credit Card Review
This is a travel 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 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.
- APRs: TD First Class Visa Signature Credit Card has a variable regular purchase APR of 14.74%
- $0 intro annual fee for 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.
- A 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 poor credit.
Pros & Cons of TD First Class Visa Signature Credit Card
| The Good | The Bad |
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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.
| Description |
Does TD First Class Visa Signature Credit Card have a signup bonus?
Yes. 25,000 bonus miles equals a $250 statement credit towards travel or dining purchases.
Does TD First Class Visa Signature Credit Card offer an annual loyalty bonus?
This 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. 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% .
Does TD First Class Visa Signature Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TD First Class Visa Signature Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for TD First Class Visa Signature Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $89.
Does TD First Class Visa Signature Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for TD First Class Visa Signature Credit Card?
The customer service number for TD First Class Visa Signature Credit Card is (833) 259-5980.
What is the support contact email for TD First Class Visa Signature Credit Card?
The support contact email for TD First Class Visa Signature Credit Card is customer.service@td.com.
How do people rate the customer service and user experience of TD First Class Visa Signature Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does TD First Class Visa Signature Credit Card report your account activity to credit bureaus?
Yes, TD First Class Visa Signature Credit Card reports to the following credit bureaus:
- 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 build your credit.
Does TD Bank perform a hard credit pull?
Yes, TD First Class Visa Signature Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TD First Class Visa Signature Credit Card
- Visit the website of TD First Class Visa Signature Credit Card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Other Credit Cards from TD Bank
Purchase APR
25.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
640 - 750
300
850
Annual Fee
$0
Purchase APR
28.15%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
N/A
Rating not yet determined
Purchase APR
27.74%
Disclaimer popup with additional information
Balance Transfer APR
27.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$29
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
N/A
Credit Score Range
690 - 850
300
850
Annual Fee
$120 - $240
Rating not yet determined
Purchase APR
16.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 620
Annual Fee
$0
Rating not yet determined
Purchase APR
18.74% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
18.74% - 28.74%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
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