TD First Class Visa Signature by TD Bank: 3x dining & restaurants, 3x travel (broad), 1x everything else. $89 annual fee. 25,000-point welcome bonus.…
The TD First Class Visa Signature is TD 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): ~$250. Annual statement credits: $0. Minus the $89 annual fee = ~$161 in year-one net value before any spending earn. RewardsGuru rating: 3.5/5 — based on our net-value methodology.
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¢/pt valuation, that's roughly $250 in real value.
Year-one math: welcome bonus value (~$250) + annual credits ($0) − $89 fee = ~$161 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%. TD Bank's product page has the current rate.