TD Bank First Class Credit Card
Purchase APR 16.74% variable APR, variable.
- Annual fee
- Issuer's pagetd.com
“$89 (waived the first year) *”
- Purchase APR
- Issuer's pagetd.com
“16.74% variable APR”
- Foreign transaction fee
- Issuer's pagetd.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $145 | $55 |
| Typical spender | $410 | $320 |
| Heavy spender | $1,090 | $1,005 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn
- 3× milestravel and dining
- 1× milesEverything else
Rates and fees
| Annual fee | Issuer's pagetd.com “$89 (waived the first year) *” |
|---|---|
| Purchase APR | Issuer's pagetd.com “16.74% variable APR” |
| Balance transfer APR | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagetd.com “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.” |
| Cash advance APR | Issuer's pagetd.com “28.74% variable APR” |
| Cash advance fee | Issuer's pagetd.com “$10 or 3% of advance whichever amount is greater” |
| Late payment | Issuer's pagetd.com “Up to $40” |
| Foreign transactions | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pagetd.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Miles may be redeemed for travel, cash, entertainment and more.
- Other
- Roadside
- Other
Questions
Other miles cards
- Capital One Venture BusinessCapital One · +$185 a year
- Frontier Airlines WorldBarclays · −$45 a year
- Citi / AAdvantage Platinum Select World Elite MastercardCiti · −$60 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).