TD First Class℠ Visa Signature®
The TD First Class℠ Visa Signature® from TD Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $89. New applicants may see: Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $89
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the TD First Class℠ Visa Signature earn in each category?
Dining is the strongest category at 3% effective value (3x miles at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x miles at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x miles | 3% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1% |
| Gas Gas stations and fuel | 1x miles | 1% |
| Travel Flights, hotels, transit | 1x miles | 1% |
| Other General everyday spend | 1x miles | 1% |
Madeen values TD Bank miles at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the TD First Class℠ Visa Signature reward caps and conditions?
The TD First Class℠ Visa Signature has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3X First Class miles on dining purchases
Who should get the TD First Class℠ Visa Signature?
The TD First Class℠ Visa Signature fits spenders who put meaningful volume in dining and can earn 3x miles. Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement.
TD First Class℠ Visa Signature fits spenders who put meaningful volume in dining and can earn 3x miles. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x miles. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $89 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $89 annual fee requires enough spend in bonus categories to offset.
- TD Bank miles value depends on how you redeem, not straight cash back.
Does the TD First Class℠ Visa Signature have an annual fee, and what's the welcome bonus?
The TD First Class℠ Visa Signature has an annual fee of $89 and a foreign transaction fee of None. New applicants may see: Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles. Confirm current issuer terms before applying.
- Annual fee
- $89
- Foreign transaction fee
- None
- Signup bonus
- Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles First-year annual fee waived.
What benefits come with the TD First Class℠ Visa Signature?
The TD First Class℠ Visa Signature includes Booking.com, Car rental benefits, Cell phone protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Car rental benefits
Enjoy special savings, complimentary rental upgrades (when available), waived fees and more from Avis and Budget, and with Audi on demand you can experience up to 15% off (with a guaranteed minimum discount of 10%) on Audi rentals at all Audi on demand locations when you use your TD Bank Visa Signature card
- Cell phone protection
Get reimbursement for your stolen or damaged cell phone when you pay for your wireless phone bill with your TD Bank Visa Credit Card
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Emergency card replacement
If your card is lost or stolen, you can get an emergency replacement card sent immediately
- Extended Warranty Protection
Extended Warranty Protection will add up to one additional year of coverage on select items that you purchase with your TD Bank Visa Credit Card
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Common questions about the TD First Class℠ Visa Signature
Does the TD First Class℠ Visa Signature have an annual fee?
The TD First Class℠ Visa Signature carries an annual fee of $89 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the TD First Class℠ Visa Signature?
Dining is the strongest Madeen category for the TD First Class℠ Visa Signature at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the TD First Class℠ Visa Signature charge foreign transaction fees?
The TD First Class℠ Visa Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the TD First Class℠ Visa Signature welcome bonus?
The TD First Class℠ Visa Signature welcome offer in our snapshot: Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the TD First Class℠ Visa Signature annual fee worth it?
Whether the $89 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the TD First Class℠ Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the TD First Class℠ Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the TD First Class℠ Visa Signature compare to similar cards?
Compare the TD First Class℠ Visa Signature against TD Cash (3% on Dining, $0 fee); Target Circle™️ Credit Card (2% on Dining, $0 fee); Nordstrom Rewards (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
TD First Class℠ Visa Signature This card | Dining | 3% | $89 |
TD Bank | Dining | 3% | $0 |
TD Bank | Dining | 2% | $0 |
TD Bank | Dining | 1% | $0 |
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