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  TD First Class Visa Signature Credit Card

TD First Class Visa Signature Credit Card

in Personal Credit Cards from TD Bank

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TD First Class Visa Signature Credit Card

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in Personal Credit Cards from TD Bank

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

TD First Class Visa Signature Credit Card Review

TD First Class Visa Signature Credit Card is a rewards credit 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. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a 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.
  • Signup bonus. Offers a signup bonus of 25000 points after spending $3,000 within 6 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. TD First Class Visa Signature Credit Card has a variable purchase APR of 15.24%
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
TD First Class Visa Signature Credit Card Pros & Cons
The Good The Bad
  • 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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • TD First Class Visa Signature Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Requires good to excellent credit.
  • Charges an annual fee of $89
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
TD First Class Visa Signature Credit Card FAQ

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:

  • 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 on balance transfers?

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 Balance Transfers
Description
Balance Transfer APR 15.24%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5

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

TD First Class Visa Signature Credit Card does not offer an introductory rate on new purchases.
TD First Class Visa Signature Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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

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%
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.

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...
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.

Availability

  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 Foreign Transaction Fee  
No Annual Fee First Year  
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 3%
Annual Fee $89
Minimum Interest Charge $1
Returned Payment Fee Up to $37
Late Fee Amount Up to $37
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits 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%
Balance Computation Average Daily Balance (including Current Transactions)
Purchase APR (Variable APR) 15.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 15.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Travel
Card Network Visa

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