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CardCurator — Rewards Intelligence
Card Comparison

TD First Class vs Visa Signature® Flagship Rewards

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

TD First Class card art
TD Bank Cash Back
TD First Class
TD Bank
More Info
Visa Signature® Flagship Rewards card art
Navy Federal Credit Union
Visa Signature® Flagship Rewards
Navy Federal Credit Union
More Info
Annual Fee
$89/yr
$49/yr
Foreign Fees
None
None
Signup Bonus
25,000 points
Spend $3,000 in 6 months
35,000 points
Spend $3,500 in 3 months
Top Earn Rates
  • travel and dining 3x
  • All Other Purchases 1x
  • Travel 3x
  • All Other Purchases 2x
Reward Type
cashback
cashback
Key Credits
None
  • Amazon Prime $139
  • Global Entry/TSA PreCheck Credit $120
Card Perks
  • Annual Fee waived first year (~$89/yr)
None listed
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Common Questions: TD First Class vs Visa Signature® Flagship Rewards

Is the TD First Class or Visa Signature® Flagship Rewards better for dining?

TD First Class earns 3x on dining; Visa Signature® Flagship Rewards has no dining bonus.

Which has the higher signup bonus in 2026?

TD First Class currently offers 25,000 pts signup bonus (spend $3,000 in 6 months). Visa Signature® Flagship Rewards offers 35,000 pts signup bonus (spend $3,500 in 3 months). Visa Signature® Flagship Rewards 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 TD First Class and the Visa Signature® Flagship Rewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. TD First Class is from TD Bank and Visa Signature® Flagship Rewards is from Navy Federal Credit Union, so they're governed by separate bank policies.