American Express Schwab Investor Card vs TD First Class Visa Signature Credit Card

Common questions

Which card has the bigger sign-up bonus, American Express Schwab Investor Card or TD First Class Visa Signature Credit Card?

The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus 10,000 Membership Rewards points (~$110) on the American Express Schwab Investor Card.

Is the American Express Schwab Investor Card's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?

The American Express Schwab Investor Card has no annual fee, so the question is whether the TD First Class Visa Signature Credit Card's $89 fee is justified by its perks. If you'll use enough of the TD First Class Visa Signature Credit Card's benefits to clear $89 in value annually, it's worth it; otherwise stick with the American Express Schwab Investor Card.

Can I have both the American Express Schwab Investor Card and TD First Class Visa Signature Credit Card?

Yes, since they're from different issuers (American Express and TD Bank) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.

Should I get the American Express Schwab Investor Card or the TD First Class Visa Signature Credit Card first?

Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Schwab Investor Card: $1,000 spend in 6 months. TD First Class Visa Signature Credit Card: $3,000 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.