THE CARDTUNED DATABASE
TD First Class Visa Signature Credit Card
Issuer: TD Bank · Network: Visa
3X miles on travel and dining; 1X on other eligible purchases
- Annual fee
- $89
- Foreign transaction fee
- $0
- Intro APR
- 0% intro APR for the first 12 billing cycles on balance transfers made within 90 days of account opening.
- Regular APR
- 16.74% variable purchase APR.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Up to 25,000 bonus miles after $3,000 in net eligible purchases within the first 6 billing cycles.
- Spending requirement
- $3,000 in net eligible purchases
- Time window
- First 6 billing cycles
Offer last checked: 2026-09-05
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining | 3X | miles on travel and dining Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms. |
| Other purchases | 1X | on other eligible purchases Rewards apply to eligible net purchases only. Merchant coding controls bonus categories; returns, fees, interest, cash advances, balance transfers, and cash-like transactions do not earn rewards. Offer eligibility, category caps, and redemption values follow issuer terms. |
Restrictions to know
The bonus is split across qualifying offer requirements and is subject to TD eligibility rules. Grocery purchases at superstores or warehouse clubs may earn only 1X. The $89 annual fee is waived for the first year.
Who can apply
U.S. applicant of legal age; subject to TD Bank credit approval, identity and income verification, and current product/application rules.
Credit profile: Not Public / issuer underwriting applies