TD First Class℠ Visa Signature® Credit Card from TD Bank: annual fee, APR and rewards

Fact sheet for the TD First Class℠ Visa Signature® Credit Card, issued by TD Bank, with a $89 annual fee, an intro APR offer and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	TD Bank
Network	Visa
Annual fee	$89 a year
Fee waiver	$89 (waived for the first year)
Rewards	Points: Earn 3X miles on travel and dining; earn 1X on all other purchases
Purchase APR	16.74% This APR will vary with the market based on the Prime Rate.
Intro APR	0% Introductory APR for the first 12 billing cycles, for balance transfers made within the first 90 days of account opening (balance transfers only)
Balance transfer fee	Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 90 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater
Sign-up bonus	Earn up to 25,000 bonus miles: 15,000 Bonus Miles after your first purchase within 6 months of account opening, plus an additional 10,000 Bonus Miles if you spend $3,000 in total Net Purchases within 6 months of account opening
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 17.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.