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TD First ClassSM Visa Signature® Credit Card

TD First ClassSM Visa Signature® Credit Card
TD Bank
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on TD's website

Annual Fee
$89
Welcome offer
25,000 points
After $3,000 in 6 months

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Pros & Cons

Pros

  • +Welcome Bonus: 25,000 points
  • +Up to 3x at restaurants
  • +Purchase protection included

Cons

—

Rewards

All Spending

1x

pts per dollar

Restaurants

3x

pts per dollar

Travel

3x

pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢3¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants3x
$300/mo
Pharmacy1x
$50/mo
Travel3x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

40,800

pts/yr

Estimated Value

$408

After Fees

+$319

1st Year Value

$569

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 3x10,800 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 3x5,400 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.36x
Total points earned40,800 pts
Value of points accumulated in the first year≈ $408

Perks & Benefits

Concierge

24/7

Additional Benefits

Visa Signature® card benefits. Visa concierge: your 24/7 Visa concierge can assist you with travel planning, entertainment, sending a gift to someone special and more. Travel and emergency assistance: a single phone call gets you the help that you need anywhere in the world. Roadside Dispatch®: access 24/7 roadside service with this pay-per-use program. Lost luggage: when you pay for your common carrier ticket with your TD Bank Visa Credit card you can be reimbursed up to $3,000. Luxury hotel collection: enjoy special guest status at Visa Signature Luxury Hotel properties all around the world. Car rental benefits: enjoy special savings, complimentary rental upgrades (when available), waived fees and more.

Travel Insurance

Lost Baggage

Up to $3,000

Travel Accident

Up to $250,000

Purchase Protection

Purchase Protection

Up to $500 / 90 days

Mobile Device

Up to $500

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee
    $89
  • Foreign currency conversion fee
    0%

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