TD First Class Visa Signature Credit Card
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 25,000 bonus miles (a $250 statement credit toward travel or dining) after spending $3,000 in the first 6 billing cycles.
Benefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Earning rates
3- 3xlodging
Earn 3X First Class miles per $1 spent on travel purchases, including flights, hotels, rental cars, cruises, and travel agencies, with no annual cap on the 3X category (TD First Class product page)
- 3xdining
Earn 3X First Class miles per $1 spent on dining purchases, including sit-down restaurants, fast-food restaurants, cafes, lounges, bars, and food delivery services coded as restaurants (TD First Class product page; grocery store purchases do not qualify for the 3X dining category)
- 1xgroceries
Earn 1X First Class mile per $1 spent on all other eligible purchases, including warehouse clubs and superstore grocery purchases, which only earn the 1X base rate (TD First Class disclosures)
Statement credits
3- $250Welcome bonus value
Welcome bonus value: 25,000 First Class miles redeem at TD's fixed 1.0 cent per mile = $250 toward travel or dining statement credits, putting first-year net value at roughly $250 (annual fee waived year one), and recurring annual value driven by the 3X travel + 3X dining categories rather than transferable-currency arbitrage
- TD First Class miles redeem at a fixed 1 cent per mile, exclusively as a statement credit applied against eligible travel or dining purchases already posted to the card (no airline / hotel partner transfer chart, no fixed-price award flight booking, no point-and-pay travel portal, pure statement-credit currency)
- $25Visa Signature Luxury Hotel Collection at 900+ participating luxury hotels
Visa Signature Luxury Hotel Collection at 900+ participating luxury hotels: complimentary room upgrade upon arrival when available, automatic best available rate, complimentary continental breakfast for two, $25 food or beverage credit, complimentary in-room Wi-Fi, and late checkout when available (Visa Signature program benefit)
Perks & memberships
4- Points longevityMiles never expire as long as the cardmember account remains open and in good standing (TD First Class disclosures; no monthly or annual cap on miles earned)
- No foreign feesNo foreign transaction fee on international purchases or purchases processed outside the United States, saves roughly the 3% FX markup typical on non-FX-fee cards, or about $150 per $5,000 of overseas spend versus a standard FX-fee card
- ConciergeVisa Signature Concierge: complimentary 24/7 concierge service for restaurant reservations, event tickets, travel planning, gift sourcing, and dining recommendations (Visa Signature program benefit attached to any product issued on the Visa Signature tier)
- Card networkIssued by TD Bank, N.A. on the Visa Signature network; cardmember account approval and credit line subject to TD's standard underwriting; available to U.S. residents in TD's deposit footprint as well as nationally via online application per the TD credit cards disclosures
Travel & purchase protections
8- Trip Cancellation / Trip Interruption Insurance: reimbursement for prepaid non-refundable travel expenses when a covered trip is canceled or interrupted due to a covered reason such as illness, injury, or severe weather (Visa Signature benefit program; coverage limits and exclusions per the Visa Signature Guide to Benefits, typically up to $1,500 per trip on this benefit tier, verify exact limits in the Guide to Benefits sent with the welcome kit)
- Lost Luggage Reimbursement: covers checked or carry-on luggage that is lost or damaged by the common carrier, up to the per-bag and per-trip limits set out in the Visa Signature Guide to Benefits (Visa Signature benefit program)
- Baggage Delay Insurance: reimbursement for essential purchases like toiletries and clothing when checked baggage is delayed by the common carrier (Visa Signature benefit program; standard delay window and daily/trip caps per the Visa Signature Guide to Benefits)
- Auto Rental Collision Damage Waiver (CDW): coverage for damage due to collision or theft on eligible rental vehicles when the entire rental is charged to the card and the renter declines the rental company's collision damage waiver, coverage on Visa Signature cobrand/non-cobrand products is secondary in the U.S. by default (primary CDW is a Visa Infinite tier benefit, not Visa Signature); cardholders should not rely on primary CDW unless TD's product-specific Guide to Benefits explicitly elevates it
- Purchase Security: covers eligible new purchases against damage or theft for a defined window from the date of purchase, up to a per-claim limit set out in the Visa Signature Guide to Benefits (Visa Signature program)
- Extended Warranty Protection: extends the time period of the original manufacturer's U.S. warranty on eligible warranties of a defined length, per the Visa Signature Guide to Benefits (Visa Signature program)
- Visa Zero Liability fraud protection: cardmember is not responsible for unauthorized charges made with the card, subject to standard Visa Zero Liability terms (lost/stolen reporting, account in good standing)
- Visa Signature Travel and Emergency Assistance Services: 24/7 access to legal and medical referrals, emergency message relay, lost document replacement assistance, and pre-trip information when traveling (Visa Signature program; referral services only, not coverage of underlying medical or legal expenses)
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
How we verified this card (1 source)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $3,000 in the first 6 months to earn the 25,000 bonus miles bonus.
See the Current Offer
Earn 25,000 bonus miles
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Have a trip in mind?
Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.