TD First ClassSM Visa Signature® Credit Card

Earn 3x miles on travel and dining purchases, plus up to 25,000 bonus miles.




Thank you for your interest in applying for a TD Bank credit card. With a little more information, we can help you make the application process easier.

Are you a current TD Bank customer?

No   Yes

Have you received a credit card offer from TD Bank?

No   Yes

If you received a credit card offer in the mail from us, locate your Preferred Customer Number at the bottom of the letter and enter the number at the top of the application

Visit a TD Bank near you

Please call us at 1-888-561-0608 or visit a TD Bank location near you for information on how to apply for a TD Bank credit card.

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Travel rewards – Earn triple miles on travel and dining

Earn up to 25,000 bonus miles
3X miles on all eligible travel and dining purchases
1X miles on all other purchases
$0 foreign transaction fee
Annual fee waived the first year, $89 each year thereafter
Free VantageScore® and credit education tools when you log in to TD Bank Online Banking1

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


Offer details, rates, fees and terms

Bonus miles offer

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

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Rewards details

3X First Class miles on travel and dining purchases, including flights, hotels, car rentals, cruises and dining, from fast food to fine dining.

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Variable Annual Percentage Rate
(APR) for Purchases
APR for Balance Transfers 0% introductory APR
for first 12 billing cycles after account opening. After that,
14.99% 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 26.99%
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

Need more information?

Take a look at our terms and conditions or personal cardmember agreement.



Calculate your rewards >

Earn unlimited points with every purchase,
and triple the miles on travel and dining

See how many miles you can earn from travel, dining and other purchases

Redeem your First Class Miles for cash back, travel, merchandise and gift cards.

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


Credit Card FAQs


When will I receive my card?

Upon approval, you will receive your card within 5-7 business days.


What emergency features are available on the credit cards?

Credit card customers will have 24/7 access to our Credit Card Customer Support hotline (1-888-561-8861). You will also receive benefits through Visa International such as Emergency Card Replacement, Lost/Stolen Reporting, Auto Rental Collision coverage, Damage Waiver Program and Zero Liability Program.


What rewards do I get with the TD First Class Visa card?

Easy redemption of your First Class miles for a statement credit towards travel and dining purchases, or cash your miles in for gift cards or merchandise.


Can I view my rewards points online?

Yes, you can manage your rewards by logging in to your credit card account.

Once you are logged in, you will be able to view and redeem your rewards by clicking through from the Rewards Summary section.


What are the Customer Service hours of operation?

Customer Service is available 24/7, 365 days a year.


What do I do if my credit card is lost or stolen?

Please contact us immediately at 1-888-561-8861and we will cancel your card and send you a new one within 7-10 days. If you have automatic bill payments set up, they will be transferred to your new card. And with Visa's Zero Liability Policy, you will not be liable for unauthorized purchases made online or for signature-based transactions at merchants.


Manage your card

Managing your account and rewards is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Security you can count on

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability2

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