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PenFed Pathfinder Rewards Visa Signature Card vs TD First Class Visa Signature Credit Card
Both are travel travel cards. The PenFed Pathfinder Rewards Visa Signature Card comes from PenFed Credit Union at $95/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.
| Feature | PenFed Pathfinder Rewards Visa Signature Card | TD First Class Visa Signature Credit Card |
|---|---|---|
| Annual fee | $95 | $89 |
| Sign-up bonus | Not advertised | 25,000 bonus miles |
| Bonus value (est.) | - | $250 |
| Min spend to unlock bonus | - | $3,000 in 6 mo |
| Issuer | PenFed Credit Union | TD Bank |
| Card category | travel | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Pathfinder Rewards Visa Signature Card
$95/yr ·
Read the full review
TD First Class Visa Signature Credit Card
$89/yr · 25,000 bonus miles
Editorial take: TD First Class Visa Signature Credit Card
Common questions
- Which card has the bigger sign-up bonus, PenFed Pathfinder Rewards Visa Signature Card 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 PenFed Pathfinder Rewards Visa Signature Card doesn't advertise one right now.
- Is the PenFed Pathfinder Rewards Visa Signature Card's $95 annual fee worth it compared to the TD First Class Visa Signature Credit Card?
- At $95/yr, the PenFed Pathfinder Rewards Visa Signature Card 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 PenFed Pathfinder Rewards Visa Signature Card and TD First Class Visa Signature Credit Card?
- Yes, since they're from different issuers (PenFed Credit Union 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 PenFed Pathfinder Rewards Visa Signature Card or the TD First Class Visa Signature Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Pathfinder Rewards Visa Signature Card: no published min spend. 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.