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TD First Class Visa Signature Credit Card vs Truist Enjoy Beyond Credit Card
Both are travel travel cards. The TD First Class Visa Signature Credit Card comes from TD Bank at $89/yr; the Truist Enjoy Beyond Credit Card from Truist at $95/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 | TD First Class Visa Signature Credit Card | Truist Enjoy Beyond Credit Card |
|---|---|---|
| Annual fee | $89 | $95 |
| Sign-up bonus | 25,000 bonus miles | 30,000 bonus points |
| Bonus value (est.) | $250 | $300 |
| Min spend to unlock bonus | $3,000 in 6 mo | $1,500 in 3 mo |
| Issuer | TD Bank | Truist |
| Card category | travel | travel |
| Best earning category (Travel) | 3x | 3x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
TD First Class Visa Signature Credit Card
$89/yr · 25,000 bonus miles
Read the full review
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Editorial take: Truist Enjoy Beyond Credit Card
Common questions
- Which card has the bigger sign-up bonus, TD First Class Visa Signature Credit Card or Truist Enjoy Beyond Credit Card?
- The Truist Enjoy Beyond Credit Card has the bigger bonus, 30,000 bonus points, worth roughly $300, versus 25,000 bonus miles (~$250) on the TD First Class Visa Signature Credit Card.
- Is the TD First Class Visa Signature Credit Card's $89 annual fee worth it compared to the Truist Enjoy Beyond Credit Card?
- At $89/yr, the TD First Class Visa Signature Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Truist Enjoy Beyond Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the TD First Class Visa Signature Credit Card and Truist Enjoy Beyond Credit Card?
- Yes, since they're from different issuers (TD Bank and Truist) 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 TD First Class Visa Signature Credit Card or the Truist Enjoy Beyond Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. TD First Class Visa Signature Credit Card: $3,000 spend in 6 months. Truist Enjoy Beyond Credit Card: $1,500 in 3 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.