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Rates and fees for TD First Class Card

Rates and fees for TD First Class Card
Rates and fees
What you pay
Variable Annual Percentage Rate (APR) for Purchases
15.24%
APR for Balance Transfers

0% introductory APR for first 12 billing cycles after account opening. After that, 15.24% 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
27.24%
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 $37

Travel and everyday spending add up to big rewards

The TD First Class Card is the smarter, safer and more convenient way to pay, plus you earn unlimited miles with 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

Digital Wallet

Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases

Chip technology protection

Our built-in chip makes your card more secure and easier to use around the world

Visa Zero Liability4

Enjoy Visa security on purchases, plus protection against unauthorized charges

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