Rates and fees for TD First Class Card

Rates and fees

What you pay

Annual Percentage Rate (APR) for Purchases

18.49% variable APR

APR for Balance Transfers

0% introductory APR for first 12 billing cycles after account opening. After that, 18.49% 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


APR for Cash Advances

30.49% variable APR

Cash Advance Fee

$10 or 3% of advance whichever amount is greater

Annual Fee

$89 (waived the first year)*

Foreign Transaction Fee


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.

Services with your TD Credit Card

Apply for a TD First Class Card

Already have a TD Credit Card?

View the Personal Credit Card Agreement for the TD First Class Visa Signature Credit Card.
View the TD First Class Visa Signature Credit Card Application for Cross-Border Clients.

*Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details. Balance transfer 0% introductory APR for first 12 billing cycles after account opening. After that, 18.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1 mile for each dollar spent.

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.

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