Is TD First ClassSM Visa Signature® Credit Card worth it?
TD First ClassSM Visa Signature® Credit Card can be a fit for people comparing travel cards from TD Bank. The main things to weigh are the $89 annual fee, the rewards structure, and whether the benefits match your spending habits.
Rewards breakdown
Wafacard summary: this travel rewards card shows miles earning from 1x-3x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.
Intro offer: Intro value may include 250 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include intro apr or transfer-focused terms, cell phone protection may be available, fraud-liability protection, travel-focused card positioning. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $89
- Purchase APR
- APR range: 16.74%
- Balance transfer APR
- 0% intro balance-transfer period for 12 months; variable APR applies after.
- Cash advance APR
- APR range: 28.74%
- Promo APR length
- 12 months
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Up to $40
- Grace period
- 25 days
- Recommended credit
- Good (670-719)
- Terms last updated
- 6/22/2026
Key benefits
- Intro APR or transfer-focused terms
- Cell phone protection may be available
- Fraud-liability protection
- Travel-focused card positioning