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Side-by-side
PenFed Platinum Rewards Visa Signature Card vs TD First Class Visa Signature Credit Card
Both are well-respected travel cards. The PenFed Platinum Rewards Visa Signature Card comes from PenFed at $0/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 Platinum Rewards Visa Signature Card | TD First Class Visa Signature Credit Card |
|---|---|---|
| Annual fee | $0 | $89 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | 25,000 bonus miles |
| Bonus value (est.) | $128 | $250 |
| Min spend to unlock bonus | $1,500 in 3 mo | $3,000 in 6 mo |
| Issuer | PenFed | TD Bank |
| Card category | cashback | travel |
| Best earning category (Gas) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
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 Platinum Rewards Visa Signature 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 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the PenFed Platinum Rewards Visa Signature Card's $0 annual fee worth it compared to the TD First Class Visa Signature Credit Card?
- The PenFed Platinum Rewards Visa Signature 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 PenFed Platinum Rewards Visa Signature Card.
- Can I have both the PenFed Platinum Rewards Visa Signature Card and TD First Class Visa Signature Credit Card?
- Yes, since they're from different issuers (PenFed 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 Platinum 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 Platinum Rewards Visa Signature Card: $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.