Rates and fees for TD First Class Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

15.49% variable APR

APR for Balance Transfers

0% introductory APR for first 12 billing cycles after account opening. After that, 15.49% variable APR.

If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.

Balance Transfer Fee

$5 or 3% of transfer whichever amount is greater

Minimum Interest Charge

$1

APR for Cash Advances

27.49% variable APR

Cash Advance Fee

$10 or 3% of advance whichever amount is greater

Annual Fee

$89 (waived the first year)*

Foreign Transaction Fee

$0

Late Payment

Up to $40

Return Payment

Up to $40

Travel and everyday spending add up to big rewards

Unlock even more of what your card has to offer. Earn unlimited miles for every eligible purchase2, and 3X miles on travel and dining.

Say you spend $1,500 a month:

  • $500 on travel and dining (3X miles)
  • $1,000 on other eligible purchases*

That’s 30,000 miles a year – add the 15,000 and 10,000 bonus miles special offers and that’s 55,000 miles!3

Redeem your miles for travel, cash, entertainment and more. Start adding up your rewards today.

TD Bank Visa® Credit Card Benefits

Your TD First Class Credit Card comes with an added layer of travel and experience perks, purchase protection and more.


Services with your TD Credit Card

Already have a TD Credit Card?

Manage your card, pay your bill, set up alerts, view and redeem rewards, check your credit score and more. Get started

Apply for a TD First Class Card


View the Personal Credit Card Agreement for the TD First Class Visa Signature Credit Card.

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

1Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net eligible purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us.

2To earn and redeem points, your account must be open and in good standing.

3Potential Cash Back examples are for illustrative purposes only. Actual Cash Back rewards varies by your monthly spending. To calculate these Cash Back rewards, we assumed $500/month spend on travel and dining, and $1,000/month spend on other eligible purchases* resulting in an $18,000 spend/year.

4Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must take care in protecting their card and notify TD Bank immediately of any unauthorized use.

5By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Have a question? Find answers here