TD Bank Cash Back VisaTD First Class
Issued by TD Bank
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 3x on travel and dining.
- Bonus hurdle: spend $3,000 in 6 months.
- Annual fee: $89 charged each year.
- Who should skip: anyone who will not recover the annual fee through ongoing spend, credits, or the welcome bonus.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Current Welcome Bonus
Year 1 net value: $-86.5 (bonus − annual fee)
Card Perks
$89/year est. valueMaximize Your TD Bank Cash Back Points
Expert tips to get the most value from this program
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.
Compare This Card
See how the TD First Class stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- 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.
- How much are TD Bank Cash Back cash back dollars worth?
- TD Bank Cash Back cash back dollars are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the TD First Class?
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