What is the annual fee for the TD First Class?

The TD First Class has an annual fee of $89 per year.

What is the best category to use the TD First Class for?

The TD First Class earns 3x on travel and dining, making it the strongest earning category for this card.

What is the TD First Class welcome bonus in 2026?

The TD First Class currently offers a welcome bonus of 25,000 cash back dollars after spending $3,000 in the first 6 months.

Does the TD First Class charge foreign transaction fees?

No, the TD First Class does not charge foreign transaction fees, making it a good choice for international purchases.

TD Bank Cash Back Visa

TD First Class

Issued by TD Bank

$89

Annual Fee

Base Rate

travel and dining

25k

Welcome Bonus

Track TD First Class Free View on Issuer Site

Earning Categories

travel and dining

All Other Purchases

Current Welcome Bonus

25,000 cash back dollars

Est. value: $2.5

Spend $3,000

Within 6 months

Year 1 net value: $-86.5 (bonus − annual fee)

Apply Now

Card Perks

$89/year est. value

Annual Fee waived first year

OTHER

$89

Maximize Your TD Bank Cash Back Points

Program Overview

TD Bank Cash Back is the cashback rewards program for TD Bank credit cards available in the US (primarily along the East Coast). The TD Cash Credit Card earns 3% on dining, 2% on groceries, and 1% on all other purchases. Rewards redeem as statement credits or deposits to TD Bank accounts. Best for: TD Bank customers on the East Coast who want a simple dining and grocery cashback card. Limited to US customers in TD Bank's service area.

Earning Tips

TD Cash Credit Card: - 3% on dining - 2% on groceries - 1% on all other purchases - No annual fee TD Double Up Credit Card: - 2% on all purchases - Best as a flat-rate complement to the TD Cash card Strategy: - Use TD Cash for dining (3%) and groceries (2%) - TD Double Up for all other spend at 2% - Rewards deposit directly to TD Bank checking/savings accounts

Redemption Tips

Cashback redemptions at 1¢/point: - Statement credit - Deposit to TD Bank checking or savings account - Gift cards No optimization needed. TD Bank relationship customers benefit from direct account deposits. Rewards typically expire if not redeemed within a set period — check card terms.