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About Our Ratings
Credit Needed
Excellent

TD First Class℠ Visa Signature® Credit Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
$89 (waived for the first year)

This card compared to other cash back cards

Card Name
TD First Class℠ Visa Signature® Credit Card
Cashback on Gas
Unlimited 1.5% cash back
1%
Cashback on Groceries
Unlimited 1.5% cash back
1%
Cashback on other
Unlimited 1.5% cash back
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% Intro APR on Purchases
Period:
15 months
APR:
0%
Period:
for 12 months
Purchase APR
13.49% (variable) 
14.24%-23.24% Variable 
11.24% - 23.24% Variable 
CardRatings.com Editorial Staff

TD First Class℠ Visa Signature® Credit Card details

Balance Transfer Intro APR:
0% Introductory APR for the first 12 billing cycles after account opening
Balance Transfer Intro Period:
12 billing cycles
Purchase Intro:
APR:
N/A
Purchase APR:
13.49% (variable)
Annual Fee:
$89 (waived for the first year)
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 9.99%
 9.99%
 19.99%
APR:
  13.49% (variable)
 13.495 (variable)
 23.495 (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 0% Introductory APR for the first 12 billing cycles after account opening
 N/A
Intro Period:
 N/A
 12 billing cycles
 N/A


Finance Calculation Method:
 Average Daily Balance (including current transactions)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 $89 (waived for the first year)
Foreign Transaction Fee:
 None
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 Get 3x First Class miles on all eligible dining and travel purchases, with no blackout dates, restrictions or limit to the number of miles that can be earned. Enjoy VIP treatment, savings and perks at over 800 luxury hotels worldwide. Or redeem your First Class miles for a statement credit, or cash your miles in for gift cards or merchandise.
Special Notes:
 Loss of Introductory APR: If your payment is 60 days past due, you may lose your introductory APR and receive the APR for balance transfers which would apply to all balance transfers on the account.
Credit Card More Information:

Card Issued By:
 TD Bank, NA
General Correspondence Address:
 Portland Square
Card Type:
 Visa
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $5000 min.
Maximum Credit Limit:
 
Credit Limit Notes:
 

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Apply online for Chase Freedom Unlimited ℠

Chase Freedom Unlimited ℠

  • NEW! Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 14.24-23.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash - any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee
Credit Needed:
Excellent/Good
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Credit Needed:
Excellent/Good