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TD First Class Visa Signature Credit Card vs Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The TD First Class Visa Signature Credit Card comes from TD Bank at $89/yr; the Upgrade Triple Cash Rewards Visa from Upgrade at $0/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 | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $89 | $0 |
| Sign-up bonus | 25,000 bonus miles | $200 statement bonus |
| Bonus value (est.) | $250 | $200 |
| Min spend to unlock bonus | $3,000 in 6 mo | $0 in 2 mo |
| Issuer | TD Bank | Upgrade |
| Card category | travel | cash-back |
| Best earning category (Travel) | 3x | 1x |
| 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
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, TD First Class Visa Signature Credit Card or Upgrade Triple Cash Rewards Visa?
- The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus $200 statement bonus (~$200) on the Upgrade Triple Cash Rewards Visa.
- Is the TD First Class Visa Signature Credit Card's $89 annual fee worth it compared to the Upgrade Triple Cash Rewards Visa?
- 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 Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
- Can I have both the TD First Class Visa Signature Credit Card and Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (TD Bank and Upgrade) 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 Upgrade Triple Cash Rewards Visa 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. Upgrade Triple Cash Rewards Visa: $0 in 2 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.