TD First Class℠ Visa Signature®

16.74% variable, quoted as one rate rather than a range. That's the most useful thing on this page. BankAmericard advertises a 14.99% floor and Citi Diamond Preferred 16.49%, but both are floors: the strongest applicants see them and everyone else lands somewhere up to 25.99% or 27.24%. Here, 16.74% is what you get.

For a rewards card that's genuinely unusual — every other travel card in this catalog runs a range topping out between 27% and 29%. It doesn't make carrying a balance a good idea, but it does mean this is the travel card in the catalog on which an occasional balance costs least, by a wide margin.

The annual fee is $89, the lowest fee tier above zero in this catalog, and it's waived for the first year. That structure gives you twelve months to find out whether 3x miles on travel and dining actually returns more than $89 for how you spend, before paying anything.

At 3x against a 1x baseline, $89 is covered by roughly $4,450 a year in travel and dining combined — a bit under $400 a month. That's a higher bar than the $95 cards with broader categories, because there are only two bonus categories here.

Miles never expire while the account is open and in good standing, matching Capital One Venture and Bank of America Premium Rewards.

$89 is the lowest annual fee of the nine fee-charging cards here, and TD waives it for the first year. More unusual is the rate: 16.74% quoted as one number rather than a range, so unlike almost every card on this site you know before applying exactly what a balance would cost.

That 16.74% is also the third-lowest floor in the whole catalog, behind BankAmericard's 14.99% and Citi Diamond Preferred's 16.49% — and both of those pay no rewards at all. A card that earns 3x on travel and dining while charging under 17% is a combination nothing else here offers.

With no fee in year one, the card costs nothing to try and the question only arrives twelve months later. Set a reminder for it: the honest test is whether the 3x on travel and dining returned more than $89 of value you would have received anyway during that first year, and you will have the statements to answer it exactly.

Miles never expire while the account is open and in good standing, which removes the pressure to redeem on someone else's schedule. Between that, the low single rate and the smallest fee here, this is the least demanding of the fee cards in this catalog — it asks less of you than any of the others before it makes sense.

$89 is the lowest annual fee of the nine fee-charging cards here, and TD waives it for the first year. More unusual is the rate: 16.74% quoted as one number rather than a range, so unlike almost every card on this site you know before applying exactly what a balance would cost.

That 16.74% is also the third-lowest floor in the whole catalog, behind BankAmericard's 14.99% and Citi Diamond Preferred's 16.49% — and both of those pay no rewards at all. A card that earns 3x on travel and dining while charging under 17% is a combination nothing else here offers.

With no fee in year one, the card costs nothing to try and the question only arrives twelve months later. Set a reminder for it: the honest test is whether the 3x on travel and dining returned more than $89 of value you would have received anyway during that first year, and you will have the statements to answer it exactly.

Miles never expire while the account is open and in good standing, which removes the pressure to redeem on someone else's schedule. Between that, the low single rate and the smallest fee here, this is the least demanding of the fee cards in this catalog — it asks less of you than any of the others before it makes sense.