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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
Purchase APR
13.49% (variable) 

This card compared to other cash back cards

Card Name
TD First Class℠ Visa Signature® Credit Card
Cashback on Gas
1% When You Buy, 1% As You Pay
Up to 3%
Cashback on Groceries
1% When You Buy, 1% As You Pay
Up to 2% at grocery stores
Cashback on other
1% When You Buy, 1% As You Pay
1%
Purchase APR
13.49% (variable) 
13.24% - 23.24%* (Variable) 
13.24% - 23.24% Variable APR on purchases and balance transfers 
Rates and Fees
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 Citi® Double Cash Card

Citi® Double Cash Card

  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Credit Needed:
Excellent/Good
Apply online for BankAmericard Cash Rewards™ Credit Card

BankAmericard Cash Rewards™ Credit Card

  • No annual fee
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • Earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas up to the first $1,500 in combined grocery/gas purchases each quarter
  • No changing categories and no expiration on rewards
  • 0% Introductory APR for 12 billing cycles for purchases AND for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25%-75%. Click "Apply Now" to learn more about Preferred Rewards
Credit Needed:
Excellent/Good