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CardCurator — Rewards Intelligence
Card Comparison

Citi Thank You vs TD First Class

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Thank You card art
Citi ThankYou Points
Citi Thank You
Citi
More Info
TD First Class card art
TD Bank Cash Back
TD First Class
TD Bank
More Info
Annual Fee
No annual fee
$89/yr
Foreign Fees
None
None
Signup Bonus
None
25,000 points
Spend $3,000 in 6 months
Top Earn Rates
  • Gas Stations 5x
  • All Other Purchases 1x
  • travel and dining 3x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Card Perks
None listed
  • Annual Fee waived first year (~$89/yr)
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Thank You vs TD First Class

Is the Citi Thank You or TD First Class better for dining?

Citi Thank You has no dining bonus; TD First Class earns 3x on dining.

Which has the higher signup bonus in 2026?

Citi Thank You currently offers no current bonus. TD First Class offers 25,000 pts signup bonus (spend $3,000 in 6 months). TD First Class has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Citi Thank You and the TD First Class?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Thank You is from Citi and TD First Class is from TD Bank, so they're governed by separate bank policies.