TD First Class Visa Signature by PNC Bank. $89/yr annual fee. 25,000-point welcome bonus.
The TD First Class Visa Signature is PNC Bank's entry-tier credit card. The $89/yr annual fee includes a 25,000-point welcome bonus after spending $3,000 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$325. Annual statement credits: $0. Minus the $89 annual fee = ~$236 in year-one net value before any spending earn.
Best fit: someone whose category spending matches the card's earn multipliers. Skip if: your spending pattern is flat across categories — a 2% flat-rate card would beat this.
25,000 points after spending $3,000 in the first 6 months. At our ~1.3¢/pt valuation, that's roughly $325 in real value.
Year-one math: welcome bonus value (~$325) + annual credits ($0) − $89 fee = ~$236 net before spending earn. Year-two onward, the credits alone need to clear $89 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. PNC Bank's product page has the current rate.