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TD First Class Visa Signature Credit Card vs USAA Rewards Visa Signature
Both are well-respected travel cards. The TD First Class Visa Signature Credit Card comes from TD Bank at $89/yr; the USAA Rewards Visa Signature from USAA 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 | USAA Rewards Visa Signature |
|---|---|---|
| Annual fee | $89 | $0 |
| Sign-up bonus | 25,000 bonus miles | 2,500 USAA Rewards points |
| Bonus value (est.) | $250 | $25 |
| Min spend to unlock bonus | $3,000 in 6 mo | $0 in 0 mo |
| Issuer | TD Bank | USAA |
| Card category | travel | rewards |
| 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
USAA Rewards Visa Signature
$0/yr · 2,500 USAA Rewards points
Editorial take: USAA Rewards Visa Signature
Common questions
- Which card has the bigger sign-up bonus, TD First Class Visa Signature Credit Card or USAA Rewards Visa Signature?
- The TD First Class Visa Signature Credit Card has the bigger bonus, 25,000 bonus miles, worth roughly $250, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards Visa Signature.
- Is the TD First Class Visa Signature Credit Card's $89 annual fee worth it compared to the USAA Rewards Visa Signature?
- 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 USAA Rewards Visa Signature's, pick the one whose perks you'll actually use.
- Can I have both the TD First Class Visa Signature Credit Card and USAA Rewards Visa Signature?
- Yes, since they're from different issuers (TD Bank and USAA) 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 USAA Rewards Visa Signature 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. USAA Rewards Visa Signature: $0 in 0 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.