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Southwest Rapid Rewards Premier vs TD First Class Visa Signature Credit Card

Both are travel travel cards. The Southwest Rapid Rewards Premier comes from Chase at $149/yr; the TD First Class Visa Signature Credit Card from TD Bank at $89/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureSouthwest Rapid Rewards PremierTD First Class Visa Signature Credit Card
Annual fee$149$89
Sign-up bonus55,000 bonus points25,000 bonus miles
Bonus value (est.)-$250
Min spend to unlock bonus$1,500 in 3 mo$3,000 in 6 mo
IssuerChaseTD Bank
Card categorytraveltravel
Best earning category (Travel)3x3x
Transfer partnersNoneNone
Headline benefits
  • 3x on Southwest
  • 6k anniversary points
  • Free first checked bag
  • 15% anniversary promo code
    Read the full review
    Southwest Rapid Rewards Premier
    $149/yr · 55,000 bonus points
    Read the full review
    TD First Class Visa Signature Credit Card
    $89/yr · 25,000 bonus miles

    Editorial take: Southwest Rapid Rewards Premier

    The middle tier of the Southwest portfolio after the 2025 refresh. Doubles the anniversary points and bumps the promo code from 10% to 15% vs Plus. Sweet spot for occasional Southwest flyers who don't need the Priority card's $75 travel credit or upgraded boardings.

    Editorial take: TD First Class Visa Signature Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Southwest Rapid Rewards Premier or TD First Class Visa Signature Credit Card?
    The TD First Class Visa Signature Credit Card has a public bonus (25,000 bonus miles, worth roughly $250), while the Southwest Rapid Rewards Premier doesn't advertise one right now.
    Is the Southwest Rapid Rewards Premier's $149 annual fee worth it compared to the TD First Class Visa Signature Credit Card?
    At $149/yr, the Southwest Rapid Rewards Premier is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the TD First Class Visa Signature Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Southwest Rapid Rewards Premier and TD First Class Visa Signature Credit Card?
    Yes, since they're from different issuers (Chase 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 Southwest Rapid Rewards Premier or the TD First Class Visa Signature Credit Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Southwest Rapid Rewards Premier: $1,500 spend in 3 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.

    Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.