Our illustration, not the card’s design
TD Bank credit card
TD Bank First Class Credit Card
- APR up · 16.74% to 16.99% · Nov 1, 2026
Purchase APR 16.99%, variable. No foreign transaction fees.
Checked Nov 8, 2026Updated
- Annual fee
- (waived for the first year)Receipt · Annual feeChecked Nov 8, 2026
Issuer document · td.com · PDF
“Annual Fee: $89 (waived for the first year)”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 8, 2026
Issuer document · td.com · PDF
“(APR) for Purchases: 16.99%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 8, 2026
Issuer's page · td.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $145 | $55 | |
| Typical spender | $410 | $320 | |
| Heavy spender | $1,090 | $1,005 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
$55a year
$145 the first year, with the welcome bonus.
Rewards and credits$145
You keep $55−$90 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$320a year
$410 the first year, with the welcome bonus.
Rewards and credits$410
You keep $320−$90 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$1,005a year
$1,090 the first year, with the welcome bonus.
Rewards and credits$1,090
You keep $1,005−$90 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
- Lower top APR than about 90% of the 651 cards we track.
Other miles cards
- Citi / AAdvantage Platinum Select World Elite MastercardCiti−$60 a year
- Citi / AAdvantage Business World Elite MastercardCiti−$95 a year
- Delta SkyMiles Gold BusinessAmerican Express−$135 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rewards
How you earn
- 3×
- travel and dining
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Foreign transaction fee: $0
- Other
- Roadside
- Other
Changes
- Nov 1, 2026 APR 16.74% to 16.99%
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 8, 2026 Issuer document · td.com · PDF “Annual Fee: $89 (waived for the first year)” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 8, 2026 Issuer document · td.com · PDF “(APR) for Purchases: 16.99%” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 8, 2026 Issuer document · td.com · PDF The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 8, 2026 Issuer's page · td.com “Intro fee of either $5 or 3% of the amount of each transfer*, whichever is greater, on transfers made within the first 90 days of account opening.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 8, 2026 Issuer document · td.com · PDF “APR for Cash Advances: 28.99%” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 8, 2026 Issuer document · td.com · PDF “• Cash Advances Either $10 or 3% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 8, 2026 Issuer document · td.com · PDF “Up to $40” |
| Returned payment | Receipt · Returned paymentChecked Nov 8, 2026 Issuer document · td.com · PDF “Up to $40” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 8, 2026 Issuer's page · td.com The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 8, 2026 Issuer document · td.com · PDF “Paying Interest: Your due date is at least 25 days after the close of each billing cycle.” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 8, 2026 Issuer document · td.com · PDF “Minimum Interest Charge: If you are charged interest, the charge will be no less than $1.00.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve ever had a bonus on any TD Bank card, you can’t get it.
Questions
- What is the annual fee?
- $89 (waived for the first year) · td.com · PDF, since Nov 1, 2026
- Does it charge a foreign transaction fee?
- No. · td.com, since Nov 1, 2026
- What is the purchase APR?
- 16.99% APR · td.com · PDF, since Nov 1, 2026