TD First Class Visa Signature® Credit Card
TD Bank
$89
Annual Fee
visaGood → Excellentpremiumtravel6 months ago
Welcome Offer
25,000 pts(≈ $250)Spend $3,000 within 6 months
OpenCard analysis
Is the TD First Class Visa Signature Credit Card right for you?
The TD First Class Visa Signature is a $89-a-year rewards card from TD Bank. Its strongest everyday earning is 3x on Travel (airfare, hotels, car rentals, travel agencies), with 1x on most other purchases. It needs to earn at least $89 more a year than a no-fee alternative to justify the fee.
Who it's for
- ✓ People who spend steadily on Travel (airfare, hotels, car rentals, travel agencies), where it earns 3x
Who should skip it
- — Heavy spenders outside Travel (airfare, hotels, car rentals, travel agencies) — everything else earns 1x
- — Anyone who won't earn at least $89 a year more than a no-fee card
First-year value estimate
Welcome bonus
$250
Rewards on spending
$180
Annual fee (year 1)
−$89
Year 1, before credits
$341
Year two, without the welcome bonus: about $91 before credits ($180 in rewards minus the $89 fee).
Assumptions
- $3,000 a year in Travel (airfare, hotels, car rentals, travel agencies) (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: 25,000 TD Points at 1¢ each (OpenCard valuation) ≈ $250.
- Annual fee of $89 in year one and every year after.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Alaska Airlines Atmos Ascent Visa Signature →
Bank of America, higher fee ($95 vs $89); earns 3x on Alaska Airlines purchases; includes lounge access.
Royal ONE Plus Visa Signature →
Bank of America, higher fee ($99 vs $89); earns 4x on Royal Caribbean, Celebrity Cruises, and Silversea purchases.
AAdvantage Platinum Select →
Citi, higher fee ($99 vs $89); earns 2x on American Airlines purchases.
Rules and gotchas
- The welcome bonus requires $3,000 in 6 months — roughly $500 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the TD First Class Visa Signature have an annual fee?
- Yes — $89 a year, according to the issuer information in our record.
- What does the TD First Class Visa Signature earn?
- 3x on Travel (airfare, hotels, car rentals, travel agencies), and 1x on other purchases.
- Is the TD First Class Visa Signature worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Travel (airfare, hotels, car rentals, travel agencies)), the first year comes out around $341 before credits, including a welcome bonus valued at $250. Year two drops to about $91 before credits.
- What credit do I need for the TD First Class Visa Signature?
- Our record lists "Good to Excellent" credit as the typical target for the TD First Class Visa Signature. TD Bank makes the final decision based on its own criteria.
Earning Rates
3×Travel (airfare, hotels, car rentals, travel agencies)3x TD Points on travel purchased through any travel provider
1×All Other Purchases1x TD Point on all other purchases
Other Benefits
Other Benefits
Priority Pass Select
Complimentary Priority Pass Select membership with lounge visits
Cell phone protection
Cell phone protection up to $1,000
TSA PreCheck/Global Entry credit
Up to $100 credit for TSA PreCheck or Global Entry
Insurance
Trip Cancellation
Trip Delay
Rental InsurancePrimary
Purchase Protection
Extended Warranty
Sources
Last Updated: Apr 16, 2026