TD First Class Visa Signature Credit Card

Earning Rates

Key Benefits

All Benefits

• $89 annual fee Visa Signature card issued by TD Bank, N.A.; per TD's published rates & fees disclosure the annual fee is waived for the first 12 billing cycles, then $89 each subsequent anniversary year
• Welcome bonus: 25,000 First Class bonus miles after $3,000 in total net eligible purchases within the first 6 billing cycles from account opening (TD First Class product page; bonus posts after the qualifying-spend threshold is met within the introductory window)
• 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)
• 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)
• 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)
• 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)
• Miles 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 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
• 0% introductory APR for 12 billing cycles on balance transfers made within the first 90 days of account opening; introductory balance transfer fee of $5 or 3% (whichever is greater), increasing to $5 or 5% after the intro window per TD's pricing & terms disclosure
• Visa 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)
• 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)
• 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 Roadside Dispatch: 24/7 pay-per-use roadside assistance with no membership required — standard, dispatch-only pricing for tow, jump-start, tire change, lockout, and fuel delivery services (Visa Signature program; pricing is paid separately by the cardmember, this is not a complimentary roadside membership)
• 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)
• Mobile wallet support for Apple Pay, Google Pay, and Samsung Pay; contactless EMV tap-to-pay enabled on the physical card and on digital wallet tokens
• Issued 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
• Transfer partners: Not offered. TD First Class miles are a fixed-value statement-credit currency only and cannot be transferred to any airline frequent flyer program, hotel loyalty program, or other points/miles currency — the only redemption pathway is the 1 cent per mile statement credit against eligible travel or dining purchases
• Lounge access: Not offered. The TD First Class Visa Signature is a Visa Signature product, not Visa Infinite, and does not include Priority Pass, Visa Infinite lounge access, TD-branded lounges, or any complimentary airport lounge benefit — lounge use requires status, a paid premium-cabin ticket, or a separate lounge membership
• TSA PreCheck / Global Entry application fee credit: Not offered. The TD First Class Visa Signature does not reimburse the $100 Global Entry or $85 TSA PreCheck application fee — this benefit is restricted to premium travel products such as Chase Sapphire Preferred/Reserve, Amex Platinum, and Capital One Venture/Venture X, none of which TD First Class competes with at the $89 annual-fee tier
• Cell phone protection: Not offered. TD Bank does not list cell phone protection on the TD First Class Visa Signature Credit Card; this benefit on TD's cobrand lineup is restricted to selected products and is not included on the First Class disclosure footnotes (per the TD credit cards product comparison)
• Anniversary bonus miles / annual statement credit: Not offered. Unlike airline cobrand cards that offer a fixed anniversary mileage bonus or recurring travel statement credit, the TD First Class Visa Signature does not include an annual bonus mile or annual travel credit — ongoing value comes entirely from the 3X / 3X / 1X earn structure and the no-FX-fee benefit
• Elite status: Not offered. The TD First Class Visa Signature does not confer complimentary airline or hotel elite status (e.g., no Marriott / Hilton / IHG status, no Delta / United / American elite credit) — this is consistent with the card's positioning as a flexible-redemption travel card rather than a cobrand product